We've got Michael Saylor hoarding

We've got millions of people losing their keys

We've got guys like John McAfee dying, maybe with thousands of coins locked up forever

How does this not end up where a very small group of whales own the majority of coins and the rest own a miniscule amount of sats, and/or progressively more and more get lost throughout time?

Bitcoin is 12 years old and some say 6 million coins are lost at a guess.. The fact they are gone forever, to me suggests that this cannot be 'the future of money', as more and more will continue to be lost each year.