I don't know the exact percentage, but most of BTC is owned by a few.
So logically, BTC can never become a store of wealth for the masses.
BUT if BTC cannot serve as storage of wealth for all and neither as day to day currency due to very slow and increasingly expensive transfers, what role will BTC play in the future?
I honestly think that it will become a billionaire's toy in the future and coins like XLM which offer incredibly fast and inexpensive transfers, will play the major role in the financial day to day transactions.
So I believe that the people who have just started to invest in crypto should consider these other coins and forget about bitcoin.
If the world will accept crypto as currency, it won't be BTC.
Not sure where you got all those information from. Are you sure "most of the coins" are held by few people? Or are you just assuming things? Based on the stats provided by shield132 (not sure if legit or not or how accurate it is), you can see that the coins are well spread and no such address holds "most of the coins" (though I agree, you can't exactly know who holds the wallets. Like someone might spread his coins into different address). But still, what makes you think its not possible to use crypto currencies as store of wealth if most bitcoins are owned by few people? People use gold as store of value, yet the governments of the world owns most of the golds.
And why XLM?