What prevents people from having their own UTXO now? There are more bitcoin addresses than stars in the universe.
It seems to me that the limitation is not UTXO addresses but rather transaction fees to receive some sats.
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Yeah, but a $10 transaction fee will stop daily transactions but it would be ok for transaction greater than $1000, which most people can afford. If fees exceed $1000 transaction would need to be greater than $100000 which would exclude most people.