I also see UTXO management as a problem, but the problem I see is that people have to commit time and energy into learning about the issue and taking action.

Bitcoin should be accessible to people with a low time preference.

I'd like to think lightning will save us, but that just trades out UTXO management for channel management (or custodial solutions). Hopefully LSPs + a better UX in self-custodied lightning wallets will fix this. Because I think we probably largely agree that requiring 1 billion people to have to worry about UTXO management is not viable (let alone the second billion and beyond).