This sure is an issue. The high fees has been driving many Bitcoin investors to cause problems in payments. Bitcoin's purpose itself was to be used to make peer to peer transactions and remove the traditional banking system. But the congested network and high fees for the miners has made it completely opposite. The high fees is too much since the transfer through traditional banking is way cheaper than BTC. The delayed confirmations is also an issue when compared to net transfers through banks are way more faster. Until Bitcoin doesn't solve these issues Bitcoin cant rise successfully and will eventually go down.
I never thought about this but you surely know your point and i do agree with that since this is what's actually happening. Users can set on what price they will going to pay for every of their transactions and not the miner's itself. And also if the
Lightning Network were available you won't be facing the 'delayed confirmations' problem again. Relax, and everything will be fine.