Some guys may have come to bitcoin several years before 2017 and still were not able to accumulate a lot of bitcoin because either financially and/or psychologically they might not have had been in a position to have had seen any kind of value in accumulating bitcoin.
If a Bitcoin investor joined this market since 2017, that means that investor already went through three market cycles with three bear markets in 2019 - 2020 and 2023 - 2024. It's enough experience with both market cycles and bear markets to have good knowledge, experience about the market, what happen in bull market as well as kind of fud used in bear market to dump it.
It's also enough time and experience for the investor, to have stronger belief in Bitcoin, have stronger hands if not diamond hands, and rock mentality to determinantly accumulate bitcoins during many months of each bear market.
Collecting enough bitcoin as wanted or not, is not important because people are greedy and it's like nothing to be enough. If the investor can determinantly buy bitcoin dips, accumulate in bear market, it's good enough and it would result in considerable satoshis accumulated over 8 years since 2017.
The last bear market gives opportunities to many people, and it is partially reflected in increases of Bitcoin addresses that holds X bitcoins.
https://www.bitcoinmagazinepro.com/charts/addresses-holding-x-btc-by-year/https://www.bitcoinmagazinepro.com/charts/addresses-greater-than-0-1-btc/https://www.bitcoinmagazinepro.com/charts/addresses-greater-than-1-btc/