@JJG...regarding holdings going up or down.

Current users is an unknown number because many have just coinbase, binance, etc accounts.
let's assume it is 100-300 mil or take an average of 200 mil.
It is much less than humans on earth by a factor of about 40X.

Therefore, it is inevitable that current holders would have to sell some btc to accommodate new users. Of course, it would occur not by edict, but naturally.

How much each current user "have" to sell (on average)?
My approximation: 21mil-2mil (still to mine, so we don't need to worry about those coins, newcomers can theoretically get all of them)=19mil coins already distributed.
19mil/7.84bil=0.0024 BTC
0.0024X40=0.097 btc

Therefore, I suggest that if you already bought or mined bitcoin and then sold roughly 0.1btc, it means that you already distributed enough btc for 40 users at the steady-state level (all that is needed for 40 accounts on average). Of course people could do extra, but selling 0.1btc (on average per current owner and over the last 13 years and probably the next 5-10) would do the trick of "pollination" of the newbies accounts.

This does not preclude periodically buying or mining more, of course.

The fun part is to take how much you sold already and then divide by 0.1btc. That would equal the number of future average bitcoin accounts (of newbs) you have potentially seeded.