If we subtract Satoshi, Grayscale, and Saylor coins from the total BTC supply you end up with close to 19.2M.

Divide that by 100,000 and you get 190 BTC.

That's without accounting for a number of other large holders. Realistically the number of people who have a whole coin is less than 100K.

Does this make sense or am I just schizo posting?

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Why did you divide 19.2M by 100,000? Why not 1M? Then you can make the same conclusions about 1M.

Somewhat arbitraty choice, but I think there are far less than 1M whole coiners.

There are 1M whole coin addresses, but those aren't individuals. They're UTXOs