franky1, it would appear if what you say is right (more mid to upper range accounts belong to people holding multiple accounts to cut up large accounts) that would actually make it worse.
Those numbers don't look good at first sight or cut up the way you mention either.
Yeah exactly. We don't know how many addresses people have. But we do know that, excluding multi-sig addresses, an address belongs to one person or one organization. So looking at this table it seems 100k addresses hold 96% of all bitcoins. If we assume, conservatively, that a person has 10 addresses that means just 10,000 entities own 96% of all bitcoins. I bet the real number is even lower than that. Maybe just a few hundred.