Good discussion to read in

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https://www.reddit.com/r/Monero/comments/tapxkz/concerns_about_the_supply_curve/

For me this is a non issue. When I was born there were already several billion people in the planet with more wealth than me and that didn't stop me from accumulating my own. I believe that the same principle can be applied to the fact you put forward. I can always accumulate more #Monero. If my effort to do so is greater than the effort of those who arrived earlier, it is not a Monero's flaw, but a circumstance of #life itself.

It's fine because we're still very early. People are just now starting to talk about Bitcoin 14 years after its invention. So we can expect Monero in about another four years or so.

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