Probably. Like I said, my impression is based on personal observations only. That said, I don't really have objective reasons (of the cuff) to believe otherwise, nor do I have data (or even an idea of how one would measure it correctly). For example, I don't know anyone except from undergrads who don't know how to use their libraries who have ever been unable to get a certain paper.
Likewise, how hard is it really for a small company or individuals to get access? They can do exactly what everybody else can do - shoot the author an email asking for the paper. I've never had anybody not send it to me, once I got a hold of their current contact details, which with the web nowadays is very easy. How many people really do independent real research, completely disconnected from anybody involved with universities? They may exist but they're such corner cases that they certainly don't have the critical mass to make 'open access' a real issue.
My point is: while 'open access' is a theoretically nice idea, the practical realities are that it's just not a real problem for the vast majority of people. It's a philosophical objection to certain practices at best. Which is not enough to instill enough urgency in those whose support is needed to change things.