The more people who hold bitcoins in their wallets, the rarer the bitcoins circulating and being traded on the market. So the market demand will be higher when bitcoins are getting scarcer. Well this leads to a much higher price increase. And I think everyone will still be able to own bitcoins even if many whales hold them without selling them. Because in the end the whales will also sell the bitcoin they have when the price demand on the market is enough to make them satisfied to decide to sell. remember 1 bitcoin = 100 Million Satoshi. And imagine if one day 1 satoshi is very expensive. meaning it only takes 81 bitcoins to make everyone have at least 1 satoshi.if the population of people is correct 8.1 billion people.
Correct people who hold their coins will make Bitcoin scarcer.
Also correct 1 Satoshi might be worth as high as $1 in the future.
Since 1 Satoshi is already expensive, then how much the fee that someone need to send 1 Satoshi?
My straight forward answer to OP, is that everyone in the world cannot own bitcoin as of now. Assuming it can be reversed that all lost bitcoin be restored and all everyone holding bitcoin should sell and bitcoin goes back to 21 million. Then, bitcoin will be sufficient for everyone in the world.
If that happens then it's not Bitcoin anymore, but centralized shitcoin since the coin is reversible. Imagine there's a Bitcoin maximalist who never move his coin for 10 years and then all of his coins are transferred to unknown address. This make Bitcoin is not safe anymore.