Yes, people that choose custodians are not a problem, the problem is people that want to self custody won't be able to, due to fees. If what you say is true, that most people will use custodial solutions by choice, then we might be fine with L1 as it is, but it might be also difficult to know if many use custodial bc they want to or bc onchain fees are too high. I think the market will decide, in the end we all want bitcoin to be decentralized and succeed 🫂.