Why create something targeted at instant transactions (like a Paypal) or to be used as a currency (like the USD) but design it to have the economic behaviour of stock market? That makes no sense. What we see here is that the effort needed to get 10-15 coins today is pretty much the same level of effort and risk that 1 year ago would give you hundred of thousands.
The main problem here is not the fact that early adopters have more, this is fine. The main problem is the sheer scale of the disproportion. We talk about million times more for a comparable risk. People entering the Bitcoin world now risk as much than people entering 1 or 2 years ago.
Xiaoma hit on what I think is the fundamental reason bitcoin will never go mainstream. Some 6 Billion people in the world are much like him. They've never heard of bitcoin, or they've never heard of bitcoin until today. When they show up here they are all going to ask this question over and over again.
"Why should I waste my time and money making you guys really rich? I've got that problem already."
@Xiamo, I can answer your question directly if you'd like, but it would cause a flame war. Probably better to do it in a new thread.
Hint: Bitcoin is not a currency. It is the first commodity ever created by mathematical fiat!