Am I a merit hoarder ?

At the time the system was put in place I wasn't very active, I got 500 merit, but I don't know how many sMerits I got. At the moment I have a bit over 80 sMerits. I give them out, I'm just not trying to empty my stash (hodler mentality I guess). If I continue like that will some of them be "lost" or not ?

Thanks for the advice.