You are actually right on that. the over accumulation status actually increases an investors economic flexibility. He no longer solely relies on growing his bitcoin holding for future, rather he now has enough or I'll say a significant amount of bitcoins and can exercise a better control over his financial future. During his stay in the over accumulation status, he literally aligns with the economic principle of sustainable withdrawals. He's more like a retired holder, so what ever amount he spends during this stage should be able to sustain him, and also keep his investments on the run.