If we end up situation like that, Bitcoin has failed.
Discussion
Most people won't be able to do on-chain transactions. It's probably already that way, in fact.
Even if you have sats, you need someone to help you move them, and they can charge a fee.
That's simply not true. Everybody who''s able to have access to computer or mobile phone is "able" to do on-chain transactions, that's the whole point.
I understand you mean that not everybody can afford to do transact on-chain, but there's really importany nuance here. Not affording to do something it's very different than "being able" to do something.
Not in real life.