Did you adjust for the mindrust factor?

Knowing Bitcoin volatility, I think there is a greater chance that more hodlers will get shaken out by a dip than new not-already-billionaire bitcoiners getting to 10x or even 1x FU. I predict (with no supporting data whatsoever, where's the fun in that) that future Bitcoin wealth will be heavily centralized and that we will have more plumbers than bitcoiners reaching the FU level.

Now that I said that I'm genuinely curious what's the ratio. Judging by what they charge I think plumbers might already be winning.