First off you call hodlers free-riders and I vehemently reject that notion. Holding is a use case for bitcoin.

If a holder earned bitcoin (either by providing value to someone that paid them in bitcoin or exchanging fiat they earned) and now holds the utxo they did contribute to the network when they paid the transaction fee to move the coin and gain control of that UTXO.

If they want to spend that UTXO they will pay a fee to miners to move that coin to someone else so again they contribute to the network