You apparently have absolutely no idea what is being discussed here in this thread when the term zero is used. Zero is referring to the fact that the ratio C:M can in theory approach the value of zero, where C is equal to the number of coins known to be in circulation recently, and M is the total number of coins minted. From this, it follows that L + S = M - C, where L is equal to the number of coins lost and S is equal to the number of coins saved in the long term. While the sum of L + S can be determined, the ratio of L to S cannot, thus creating a situation over time in which as the ratio C:M approaches zero, the uncertainty increases as to the actual valuation of Bitcoins, due to the fact that the possibility of a quantity of Bitcoins many multiples of C could be introduced into the market, a situation that is not really possible in the early stages of Bitcoins, thus introducing by design a monetary currency which changes its dynamics over time independent of external economic forces.

Divisibility is not the issue, and it's annoying when people bring it up.

If anything, the question is the rate of loss, and whether it is constant over time, or decreasing, or even increasing. Some individuals here contend that as Bitcoins increase in value, greater effort will be made to prevent their loss. However, I contend that in order for Bitcoins to increase in value, they will have to gain widespread use, thus their increase in value actually results in a diffusion where the average wallet size is no greater than any average wallet or bank account today, which means that there is no reason to assume a decreased rate of loss over time.