It's very hard to get this point across. And I feel like I fail most of the time. What's the point of having "money for everyone" if only a third of the people on Earth can afford to use it in its decentralized form. Just like the current banking system, only the rich will have real access.

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you are absolutely right. And the more people get onboarded, the less people can use it in its original form.
it's not that only the rich will have access, it's that day to day usage isn't necessary on bitcoin. the dollar or usdc is fine for small transactions. yes, you needs money to make BTC useful. that's it's purpose. you don't need btc if you don't have larger amounts of money to store.
basically, let's stop marketing BTC for low value transactions. it doesn't need to be used by everyone on earth, since everyone on earth doesn't have savings. personally, I think BTC should be for people w 10k or more.