Well, here is the big problem of Bitcoin from my view, 90% of all Bitcoins are owned by just 1% of the wallets created, this mean that if people buy today they are just doing the rich richer, i know that here we have some of the Bitcoin holders since 2013 but that doesn't change the real problem, Bitcoin is a millonaries game right now, retail investors can't do a shit about that.
It's not true that 90% of all Bitcoin is held by just 1% of wallets, and Michael Saylor is not holding those Bitcoins himself, but he is only CEO of MicroStrategy company that really holds that 100,000 Bitcoins.
Lot of those big wallets you see on richlist are held by centralized exchanges, and many people sadly are still keeping their coins on exchanges, millions of coins are lost forever.