Either you are living in a completely different world or exaggerating the number of transactions by a lot. I do dozens of transaction per day from grocery to digital items to service to bill payment to repair and so much more. I am pretty sure almost no one in that group accepts crypto.
Not the parent, but I think they meant "for purchases under $200 in value I use the lightning network, for larger transactions I do a direct transaction". The $200 was not talking about transaction fees AFAIK.