I know I have lost sats already. I have them all over, a few thousand here, a few thousand over there. I’m a little bit of a mess.

Yep. Recovering dust is not always practical, and people die without sharing keys, in addition to boating accidents and user error.

I think adding zeros to the ledger will have to be done at some point, like once every hundred years, but maybe more frequently at first until user error is effectively eliminated and individuals stop directly interacting with L1.