Yes exactly this. Fred Krueger posted this on Twitter this week

Vaccine injured and long covid

My wife and I are a statistic. We haven't gone to a movie since pre pandemic

The base layer blocks are containers on a container ship. No ordinary person pays the high cost to ship a container. Instead, normal people will operate only on higher layers.

Everytime this is a conversation I wonder to myself if the people complaining have ever thought about how a mature Bitcoin based economy will work.