It seems to me limits on accumulation prevent it from being widely adopted. If as a technical limitation there is a limit to how much wealth you can have accumulated in the coin, why would you even bother with it in the first place?
It depends upon where the limits are placed. How much more valuable should one human being be than another? This is the philosophical question that all of us need to settle within ourselves before we can move forward as a species. Once you have wealth enough to ensure sufficient comfort for yourself, your progeny and theirs, all other accumulations are about power and/or some other perniciousness.
In a world where the things we need and use go bad, sharing comes naturally. The hoarder ends up sitting alone atop a pile of stale bread, rusty tools, and spoiled fruit, and no one wants to help him, for he has helped no one. Money today, however, is not like bread, fruit, or indeed any natural object. It is the lone exception to natures law of return, the law of life, death, and rebirth, which says that all things ultimately return to their source. Money does not decay over time, but in its abstraction from physicality, it remains changeless or even grows with time, exponentially, thanks to the power of interest.