unaffordable if you think in terms of fiat. If you think in bitcoin terms, 2 to 3% transaction fees for an inmutable store of value is nothing. Even in real estate you have to pay 5% to the broker and 2% transfer tax paid to the state and city. If your house is worth 500k, you have to pay $35,000 in fees. Bitcoin is a much better store of value, so paying 5 to 7% is still a bargain