Yes, this is true. Transfer fees can be much higher in the future and BTC transaction times too

Even nowadays BTC transfer time can be several hours.

also if fees goes on 20x actual rate, bitcoin will be the same chepaer than other methods
20*0.0001
BTC=0.002
BTC how will we buy goods that cost 5-10$. 8-16% fee? If BTC will be more than 1000$/
BTC situation going to worse. Not cheaper in this case.