remember and emphasis this
when buying bitcoin you are not locking your money up into a vault or reserve, the money does not sit around waiting for you. you are instead buying a currency from a seller and that seller is selling bitcoin to get your money to then have them use your money on their personal choices of how they want to spend their money
that money can just circulate in m0 m1 circulation or end up back in m3 investments of tradfi
This pattern will continue to repeat itself. Of course, the m3 portion will be maximized by looking at which ROI potential is more dominant when they place it and when it can be cashed out, but slots for m0 and m1 must also be there because they are daily needs.