By over accumulation are you referring to a situation where the investor feels he has gotten more Bitcoin than he planned or there is a number that is generally regarded as over accumulation? I have always felt that individuals are at liberty to set their targets as per the quantity of Bitcoin they want to have at at particular point in the life, this is what I have been working with and that is what determines the amount of my income I'm putting into Bitcoin on monthly bases ... because I have a target to reach upon my retirement from active service. Pardon me if I didn't get your post correctly, just that I have been struggling to understand what over accumulation of Bitcoin might possibly means and at what point I would say I have over accumulated Bitcoin.