Your last point is so true. It's sometimes painful to watch how bitcoiners fantasize about "1 million dollar coins" (for instance Peter McCormack in several recent podcast episodes, feeling so pleased with himself).

I worry about this adoption issue, but hope that there will be innovations that remedy it (enough), and that we have enough time to build them. For instance, communities sharing one single UTXO, with virtual UTXOs or ecash in the frontend. You could move your coins onchain as a community, but not as a single person.

It would be best if Bitcoin adoption continues to slowly increase this decade, allowing us to build such solutions. The alternative is that Bitcoin adoption remains limited, e.g. to "black market" money like G. Zucco would say. If Bitcoin cannot offer sovereign-enough-solutions for every user, I guess it fails. But full sovereignty for every human seems like a pipe dream.