Less than 0.037% of humans will own 1 bitcoin.

Realistically, it's probably more like 0.01337% will be whole coiners.

0.037% is assuming that there will some day be 3 million whole coiners. / 8.1 billion people.

With ETF's, governments, corporations, lost keys, etc.... it will likely be much less than 3 million individuals.

21 million / 8.1 billion = 0.26%

there will never be 21 million whole coiners.