Undeniably so. Only: mass adoption is getting harder if there are only a couple of free floating sats and everything else is increasingly permanently hodled in big pockets.
Discussion
Total sats: 2,099,999,997,690,000
MSTR's stack: 42,365,000,000
Two things
- you are vastly underestimating the size difference those 5 extra digits signify
- there will always be a market based interest rate and lending
- their is no such thing as a "fair" or "unfair" distribution when everything has been purchased or sold in a free market