People have the option of federated sidechains or federated mints. Could even split funds into several different federations if we get to the point where there is that much demand. Or maybe one day covenant-based scaling. It costs less than a dollar to send an on-chain transaction now, 14 years into this project.

-We don't even fully know what new scaling options will exist in a decade.

-We don't really know what % of people will want to directly use main-chain money within a decade.