I'd be very happy to be able to wire money anywhere in the world, completely free from central control, for only $20. Equally I'll happily accept more centralized methods to transfer money when I'm just buying a chocolate bar.
That discussion many years ago is very educational. I agree that for services to be built on top of the layer 0 fees would need to be bigger and that tinkering with Bitcoin as is always leads to certain unknowns, but when I read this 20 dollar figure per transaction fee I can't help but feel uncomfortable.
Who would even use Bitcoin at this cost? If only a few fringe cases of people would use btc by then, then who would actually buy bitcoin and at what cost? Would btc come crashing down to a couple of bucks? If that's the case then the 20 dollars would be an important fraction of the actual BTC bought to transact across the world.