Bitcoin big players only

I would like to make a base thesis for how I think the future of the Bitcoin network might work based on mining costs and transaction sizes. Eventually there will be no more block rewards and the network miners will operate only on fees paid by its users. Assuming people are ok with the credit card premium level of fee I used 3% for my calculations on a ballpark fee people might pay to move funds. I did a quick google and was able to find the Bitcoin network has about 4000 transactions per block. In order to make the same reward in USD terms as the miners make today we would need $6,000,000 moving in each block with a 3% fee which would yield a 180k fee (same as reward today). This means each transaction on average needs to be atleast $1500.

Do you guys think bitcoin will only be used for the big players in the future and smaller people will have to use side chains or paper bitcoin from a 3rd party only? The alternative is people would have to pay $45 on average per transaction for anything they need to do (3% * $1500).

Let me know if you would change any of the parameters above that would change how these equations might work! Maybe I’m missing an easy way to lower the average cost!