I'm starting to find the narrative about only 21m bitcoin and 58m millionaires tiring. I know it's a sort of scarcity argument, but it suggests that having a whole bitcoin is so important.

News flash: you don't need a whole bitcoin. What you need is to have your savings in bitcoin, however much that is.

You need to be prepared to transact in bitcoin when the need arises.

You need to acquire more through work or fiat conversion as frequently as possible.

Theose millionaires can easily get a million dollars in bitcoin if they want, at any time they want. Even if it means they only get .25 bitcoin some time in the future.