Not ideal tbh couldve been engineered better, but less of a concern since Monero doesn't have a fixed supply. Over time that 65% becomes less and less of the total supply. And on top of that, I'm sure most of that has dispersed and left their hands a long time ago (traded, sold, given away). Those early miners didn't have the advantage of hindsight either. They took a big risk that could've easily not worked out. Later adopters avoided that same level of risk so it kind of evens out.

If you use Monero like cash for private permissionless transactions I don't see how it really effects us