Fees go exponentially down over time as issuance goes down over time.  The first fees were like 1btc to move anything.  The reality is 95% of people will never control a utxo.  They will have shared custody of a utxo or straight non custodial btc. 

 I do agree that as fees go up, less and less people will be able to self-custody. Over 99% won't eventually.