you are right. in other hand, if projected value per btc is in thousands of dollars per coin, it is not so low, how it may looks like. another point is, that far small TX is higher fee just killing. believe me, that average Joe hates waiting and hates fees. and once he will decide to buy a coffee with his fancy smartphone, will be faster and comfortable and cheaper (for free) to use fiat (and some XYZPay implementation) over fiat..

maybe is possible to scale fees depends on how much you are sending or something..