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 What prevents people from having their own UTXO now? There are more bitcoin addresses than stars in the universe. 

It seems to me that the limitation is not UTXO addresses but rather transaction fees to receive some sats. 
 Yeah, but a $10 transaction fee will stop daily transactions but it would be ok for transaction greater than $1000, which most people can afford. If fees exceed $1000 transaction would need to be greater than $100000 which would exclude most people.  
 I still don’t understand the answer to this question:

“What prevents people from having their own UTXO now? There are more bitcoin addresses than stars in the universe.“ 
 It's the number of transactions that can generate a UTXO with Bitcoin in it. There are a limited number of transactions per block. This can't increase, more demand raises the price and makes it unaffordable for some people.  
 And I collected the amount via a L2? I think I understand what you’re saying. I’ll think about it.