Far future, small holders, bad scenario?

If BTC essentially becomes the world's reserve currency and the miners are funded mostly through fees, there will only be large transactions on the blockchain. And a large number of large transactions.

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In that scenario, suppose you are holding around 0.1BTC in self custody and you want to do something with that money. As far as I understand, if you wont be able to offer high enough fee, your transaction will forever be ignored.

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Is this correct? If yes, it sounds bad. I am aware that, in this scenario, even 0.1BTC would be serious money. But it doesn't matter, just reduce the amount to whatever. A certain amount it seems like there is a risk your assets be "captured" on the blockchain?