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If bitcoin's value rise 400% per year and it is very expensive to transact in bitcoin (like 100 USD per transaction), I think everyone would still rush into bitcoin like there is no tomorrow. [...]
Is "400% per year" price growth likely for a currency costing $100 per transaction?
"Bitcoin 2.0: A Peer-to-Peer Electronic [Useless As] Cash System"?
Why do you want to use the blockchain directly when all you want is zero fee transaction? There are so many mobile payment solutions which charges zero fee and instant confirmation, why bother using bitcoin?
If all you want is zero fee transactions, then you can use some web wallet service. I think the high fee on blockchain will push them to establish their major clearing channel, then they will provide zero fee transactions, or even negative fee transactions if that makes you happy