its a human nature that we are curious to that thing who is not accessible for us. Like Gold, we respect him and see him in far away eyes. If BTC is approachable to everyone then is value is nothing as like as air, oxygen etc.
I totally agree with what you just said, because Bitcoin has value today because everyone can not afford it, because if everyone could afford it, it wouldn't have been valuable as it is today, just like Gold, and for the fact that it's digital, it makes it more easily accessible than gold nor silver. But actually the value of bitcoin came from increase in demand since it is a scarce quantity unlike gold with a limited supply of 21million, of which we are over 8billion people in this world. So in other for 21milliin Bitcoin to go round approximately 4billion persons, it price has to go up so that people could get a least fraction of it