OP's warning is on the point. We don't have the luxury not to take proactive action to solve the early adopter problem, It is not for the next generation to think it through, attitude I have seen in many posts, or deal with the problems as the come along, it must be solved yesterday.
As it stands Bitcoin is Capitalism at its purest form, you have Money, and Machines that Generates Money, plus a cartel that gatekeeps transactions: a Banker's wet dream. Which is all that most people here secretly cove, you want to overthrow the financial system only to take it's place. It is the last attempt of Capitalism to recreate itself into the new world. 1% of people hold 99% of worlds wealth and bitcoin will change that? of course not, it will just further the divide even in the 1%. I guess 3rd world is toast for good.
We (the rest) don't care if early adopters play nice and consider to donate, invest, or be good with their wealth. It is not their place/right to make these decisions. Democracy is not run on a geek circle. You are going to need the full support of the population to withstand the backlash/takeover of the Establishment, and the attitude "Well I was an early adopter, its only fair to be filthy rich" will not help.
What should be done?
1. Satoshi should reveal himself.
2. Block reward must be opened to renegotiation.
3. Install a rolling invalidation of rewards/blocks on the blockchain, ie "forgeting" blocks, this will also help with database size.
2&3 will help with price stability as well as keep the economy rolling, as well as democratizing adoption
The OP has an investigated his imagination in a Dystopian Future, and used little creativity to solve problems.
1) Bitcoin is more like a voluntary wealth redistribution virus (don't use it if you think it is like rat poison)
2) Bitcoin is more likely a bankers nightmare, no fractional reserve banking.
3) if it ever stops serving the majority, switch to an aultcoin, or start one that is created on a normal distribution curve as apposed to the step function that rewords early adopters disproportionately.
4) you can always erode the wealth of the ultra rich by saving (the rich can only earn by providing value to encourage you to spend) as apposed to saving in fiat you wealth is eroded by inflation that benefits the 1% who borrow new money into existences mechanize production or distribution thus robbing you of productivity in the now.