The protocol or the network does not change because a few people decide to use it a certain way. Nobody can do anything about it.

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And in the same way, the properties of Gold does not change because a few people decide to represent its value in a certain way.

That's the point I'm making for both Bitcoin and Gold.

when there will no coin to use - chain protocol become useless relic - all coins will slowly grabbed by institutions into central wallet

#cornering

You and the people you interact with can still use it self-custodially or in any way you want to. It's not something to be very worried about.