Very likely will have to do a trust trade off and use federations instead of using on-chain if they aren't willing to pay for that degree of security
Discussion
If most people won't be able to own bitcoin because of high fees and have to use custodial solutions, then what are we doing? Because if people can't own bitcoin, they also won't run nodes. This is highly centralizing. Things are not as black or white, we will need both approaches imo, scale L1 and L2.
I think considering even at 1 sat/vB most people still gravitate towards custodians and not node running, the proportion of people node running and self custodying will remain constant over time. But that's all that's needed to have a sound currency system, because most people (normies) actually want a custodian
Speculation though, I see merit in your points 🫂