agreed. It doesn't matter what the block fees are, things like Cash App and River are going to need to send UTXOs to users who are extracting to self custody and the more users use those tools to do so, the more they will have to use block space. They are batching so they can eat high on chain fees as part of servicing hundreds/thousands of customers in bulk. For most people, owning UTXOs does not have a future--they will just leave bitcoin in custody and let Cash App and the like worry about on chain shenanigans.