Don't you feel like once the bitcoin price goes up, the main holders will be the banks and large financial institutions?
This can be very likely. A lot of people have taken a look into Bitcoin since its market price hit $20k within a short period of time. A lot of people see Bitcoin as some kind of financial breakthrough for them to re-establish their financial world. Large numbers of financial institutions in my country have really invested in Bitcoin with the idea of the financial freedom Bitcoin presents.