Additional transaction fees have been increasing ever since the price of Bitcoin increased. This transaction fee is currently the biggest hurdle especially for those who are holding Bitcoin with the DCA method of Bitcoin. They incur additional transaction fees to hold bitcoins on a weekly or monthly DCA basis. I myself am under extra stress for Bitcoin transaction fees, because I have to continue investing in the DCA method at high cost. Yet I have not stopped holding bitcoins with the DCA method, continue and will continue to do so in the future no matter how high the transaction fees are.
The transaction fee is actually a big problem for those of using the DCA method. I think some adjustments have to be maintain buying the same amount of budgeted funds. Some of those adjustments including changing weekly DCA to bi-weekly DCA or to monthly DCA. In this case, the money can be deposited and Bitcoin bought like it was before the high fees, then keeping withdrawals to once per month as the case may be.
Since the fees became too high, I have also adjusted my withdrawal pattern to suit my targets. I don't have to spend huge amount as withdrawal fees as a result of regular withdrawals. While we hope this nightmare will come to an end soon, we have to improvise.
The need for withdrawal is because centralized exchanges is not the best place to store your coins to avoid loss of assets due to hack or other sharp practices that is common among CEX.
You are absolutely right about the transaction fees, but I have a feeling that that is not a problem. There are many people that are applying the DCAing strategy, so anytime they want to accumulate Bitcoin, they can make use of the lighting network or accelerate the transaction so that it will be confirmed in just a matter of minutes (maybe 30 minutes).
However, I haven't used any of them, but with the kind of post and discussion at the technical board, I can tell that they are working perfectly. Although I am still planning to buy more coins next week with the help of the DCAing strategy, and if the transaction isn't confirmed quickly, then I will accelerate it.
Before I came across this post,
https://bitcointalk.org/index.php?topic=5034315.0 I was thinking of buying the same amount of Ethereum, then when it's confirmed, I will reconvert it back to BTC just because of the transaction, but now, I will not have to do so, I will just buy the BTC from p2p and accelerate it.