Why should we count in users' addresses? You may make falsely assumptions that way. There are people who prefer to use one address, who do not understand that this ruins their privacy, and there are others who protect it by using their hierarchical deterministic wallet as it should.

If one has 10 BTC scattered in 10,000 different addresses and loses their seed phrase, the percentage of active users' addresses drops, but we should not conclude anything about the users.