achow101 has done a good job of answering your question.
However, are you aware that the last 0.00000001 BTC won't be mined until approximately the year 2140 (long after you are dead and gone)? Why are you so concerned about what future generations will do with their money? Even if the transaction fees weren't the answer, future generations will figure it out or themselves how to manage transfer of value. I have faith in their abilities. It really isn't something we need to worry about.
Morbid but true. Bitcoin, by 2140, will need to have a massive amount of value for the current transaction fees to make miners profit. However if the price is so high, no one will want to pay that high of a tx fee. Some things need to change.