Technically no. First, you have to know that Bitcoin can be broken down into smaller units of value called satoshi so the worry of people only having a max of 21mil investors shouldn't be a worry in the first place.
With Bitcoin Lightning Network, satoshi is not a smallest unit for bitcoin, and there are many units too, and people can use bitcoins in any fraction, small or big, if its transaction value is good compares to transaction fee to spend to miners.
[Did you know?] Bitcoin Table of UnitsBut just because supply is fixed doesn't mean prices will only go up, demand for Bitcoin will be the key factor I think, also governments regulation across the globe will also has some influence toward Bitcoin price even after all Bitcoin is mined.
I understand it but for any newbie who is curious for learning, and still wondering about what makes Bitcoin value, an excellent insightful book for reading.
The bullish case for bitcoin. It's free for reading on Medium, but you can buy this book on Amazon.