Your numbers are off buddy, sorry. You consider the percentage of bitcoin holdings a person should spend for mining, but you completely overlook that not everyone has access to the same costs of electricity.

You should absolutely not mine if it's not profitable, unless you're curious to learn how mining works. It is the design such that once a source of cheap electricity is found, it can be used to reduce profitability of other miners. Such is bitcoin. Altruism makes shitcoins.