Most people own less than .01 BTC The fees to sell or transfer this .01 BTC is getting absurdly expensive and will continue to rise. My theory is the fees will become so high that most people will just hold onto their BTC rather than sell. Eventually the addresses holding huge amounts of BTC will start to sell. It will clog the blockchain and fee prices will sky rocket even more. The transfers will take longer and longer to confirm and everything will get "stuck". I believe this will fuel more and more panic selling as everyone tries to cash out at the same time. What do you think about bitcoin fees and the .01 theory? 
It would be so easy to paint a scenario but as to the chance of making them come true that would then be another story. Indeed, there is a big problem right now with Bitcoin as transactions are again clogged to the max and senders are imposed with exorbitant transaction fees which is quite so ridiculous because this is the opposite of what Bitcoin should be. I am sure that sooner or later this problem can be given the appropriate solution though it is quite sad that Bitcoin has become like the government which could not act fast and decide right. Let's just hope that Bitcoin leaders would pressure those in charge to decide on this problem to think fast and do things fast.