I chose the first option, because if bitcoin is going to have a higher purchasing power than right now, then not many coins are needed after all. If btc doesn't get massively adopted, holding a lot would make no sense, since one won't be able to actually use it. I don't understand what's the reason to possess a lot of btc. The more people possess small amounts, the more decentralized the system is. And besides, if we want cryptocurrencies to be considered as money, we should not own any of it for long. Money is not created to be stored. It is designed to be in constant circulation, exchange for actual goods. If it is not exchanged, it isn't even there in a way, because a person with a dozen of bitcoins might forever live a poor life, never using the savings and then probably dying without anyone knowing the password or private keys.