You are collating two things
1. Everyone can own their own UTXO
2. Use it for everyday transactions 

1 is important, 2 is not. 

Most people should use e-cash for everyday use. A UTXO would be used in a similar fashion to moving money into a high interest term deposit - where you hold the majority of your money but only make a transaction once a month to once every few years, depending how wealthy you are. A lightning channel to the eCash would allow the balance that's held by the custodian to be minimal. 

If a transaction fee exceeds the $10 -100 range even this breaks down.