Fees in the future

90% percent of my crypto holdings is in BTC, but I was wondering since BTC has a limited blocksize fees will continue to increase, I know that would eventually lead to less wealthy individuals being forced off the base layer into the lightning layer. But since fees are high wouldn't it also be impractical to open a lightning channel if you have been forced out of the base layer. So wouldn't individuals have to rely on a more centralised solution that still potentially has high fees?

Could someone tell me if I'm missing something? Because this seems to harm BTC's concept of being digital gold and being used for day to day transactions.