Your thoughts are well-founded. I think they should have the proper framework, though. What you're describing will be an issue, but I think that in relation to humanity as a whole, it's a short-term issue.

Someone mentioned below that AI would provide the appropriate challenges to stimulate the user, thus not providing a frictionless existence. Your reply indicated it goes back to gamification. At this point in our current existence, gamification is largely a philosophical concept. Life is gamified all the time: We gamify life when going to school, conducting job interviews, learning about techniques to improve our social lives, exercise, finance...every meaningful aspect of life has aspects of gamification to it.

By the time we have FDVR, and AI can simulate realities as complex as our own, I would refer to our reality as Base Reality, or Reality Prime. Any successive "realities" generated in FDVR will be considered more, less, or of equal importance to Prime, depending on the individual. Currently, what is Real is everything we can perceive and process with our senses, in addition to the things we can and cannot control. Both within ourselves, and the world around us.

That groundwork out of the way, I believe this will largely go the way social media has:

The Social Media Age was in full gear by 2009, when Facebook had the most active userbase and reached the most people. Within the previous 13 years, we've become aware of the advantages and perils of social media. Now there is a growing focus on bringing awareness to these issues and their effects on humans. It's part of the process, and there are parallels of growing pains throughout the history of technological evolution.

FDVR will largely be the same. Those looking to escape Prime will spend as much of their time in FDVR as they can. They'll start with worlds they have total control over. Then they'll get bored, and add complexity to those worlds by having AI provide challenges. Eventually, humans will want to form attachments to individuals with whom they have no agency to control.

If we can solve aging and longevity, then many of the people most prone to this escapism can make this journey, eventually returning to the desire to form 'organic' attachments as people changed and strengthened by their experiences in FDVR. If not, we may lose several people to it over a few generations. It's happened before, it'll happen again. I don't see these fears ruining us as a species, or civilization. Just another kind of evolutionary crucible to become more superior to our former selves.