People regularly overpay, so I'm not sure looking at average fees it the right lens. Monero is great, but it's trivial to get an excellent user experience with lightning nowadays that doesn't require custodians.
The reason people overpay is that it's impossible to foresee what fee will get you into the next block, so they overpay to not get stuck potentially for hours or more.
Not requiring custodians is just one part, having to rely on third-party services for basic functionality is another.
I think it's better to use another cryptocurrency like Monero than having to rely on a centralized service just to get a half-decent user experience.