This theoretical 0.8% is not true. Once a user has a utxo they are a user it doesn’t reset every year like your channel math states that is a function of lightning. Block space limits tx not self custody yes a new user needs a tx to become a use but they don’t stop being a user if they continue to hold that utxo. So it’s bogus. To be a user you need a private key and one or more utxo’s.