It’s already a luxury.

(For easy math) A wholecoin at $20,000 puts it at roughly 1/3 Annual Salary for the average income for a US Citizen (one of the highest wage countries in the world)

When factoring in Housing, Food, Utilites, Taxes, Healthcare, etc.

The average earner in one of the highest earning countries on Earth would take high-discipline + several years to realistically become a wholecoiner.

This is assuming the price stays at $20,000.