I do not understand your point at all. Most of the things that you listed are positive sides of BTC. It is completely normal that someone has more influence over it when they were the ones that started the vehicle turning. Think about it, what would have happened with BTC if it wasn't bought by 'the whales' as you call them. When any product is released in the market it has to be purchased and desired in order to survive. Non of this would happened if it wasn't for the people who believed in BTC when it was created and released to the market for the first time. And any investor can manipulate the price if he is big enough, if any big investor decides to sell his BTC, it will have the impact, it is a normal law of supply and demand. All of us have different interest for entering this market and the things that you listed in the number 4 are possible options that you have. But you are free to select what will you do with your coins. For some of us it is not a payment method, it is an investment and that is perfectly fine. Maybe BTC will be so spread around and used for daily transactions that his value as an investment will be lower. But you are the one who is making that decision.