Recently I've paid 3000 sats in fees at the rate of 11 sats/vB, ~ 2 usd. In 5 years it can be equivalent to 20 USD. Can be 40, can be 100 if fees are high and somebody is pushing the picture of their dog inside the block.

Samson Mow talked about it on a recent podcast on WBD. Most newcomers in 5 years won't even have their own UTXOs to do on-chain transactions in the 1st place.