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I personally believe that a person starts to have more flexibility in regards to managing his holdings once he reaches overaccumulation status, and a person does not reach such status in order to fall out of it, but instead to stay in such overaccumulation status, so then he would be able to start to sell small amounts of BTC, but still staying in overaccumulation status.. so he might start with
price based sustainable withdrawal before he moves into time-based sustainable withdrawal, yet being in overaccumulatoin status provides options regarding how to mange BTC holdings and the extent to which to stop accumulating and/or to start to sell whether price based or time based.
Overaccumulation is probably going to be a moving target for quite some time. For the sake of putting a plan in place and making sure you understand how to pursue it, having a target is good and important. But it will be more of a snapshot as long as bitcoin has the potential to go many x times up in market capitalization.
If someone has the patience and the discipline to stick to a long term BTC accumulation plan, isn't it more likely that such individual could well end up not having to move to any withdrawal plans at all? This is not a rule of thumb of course as there are still individual circumstances involved, but if someone now begins to build up BTC holdings for the next 10 years straight, maybe 20 years straight, I can imagine that holding those BTC will put that individual into a position of vast flexibility. There is probably still some income from other sources and those BTC holdings could serve as a security guarantee when more costly items have to be purchased, but income from other sources could be used without touching those BTC.
There surely are alternative theories in regards to how to treat your bitcoin, including that you could have alternative sources of income and have the bitcoin sitting in the background or even as collateral.. Of course, you could sell bitcoin some of your bitcoin to buy investment property that generates income, yet I think that largely negates the value of having money in bitcoin, even though surely younger people sometimes do what to buy properties or businesses in order to leverage their labor in such a way that they are able to earn more than they would through a regular job.. yet those kinds of strategies would likely come prior to reaching overaccumulation status (while still working to reach overaccumulation status).
From my perspective there is a lot of power in getting to and sustaining overaccumulation status, yet I can also see how guys might end up screwing up their having had gotten to such overaccumulation status, after they got there by engaging in behaviors that end up kicking themselves back out of overaccumulation status... but yeah, of course, each person is responsible for his own actions related to managing his holdings once he gets them to a sufficiently high level.
I think in 10 or even 20 years from now, the ecosystem will have evolved further.
You are probably correct. Right now, the various entities giving out loans and using bitcoin as collateral are not really giving very great terms, yet guys still want to get into those loan products that are not really very good.. and from my perspective there could be value in just outright selling small portions of your bitcoin, yet I am assuming reasonably high levels of overaccumulation.... and sure at the same time, I am surely not opposed to the possible employment of a variety of strategies and guys not becoming too greedy in terms of electing their strategies or putting too much of their bitcoin at risk, especially when dealing with collateralized products and/or products that end up taking away our custodian status of the bitcoin (so the coins will end up getting rehypothecated when loaning them out.).
Higher acceptance, advanced regulatory environment, increased realization that bitcoin is incredibly scarce and not holding any is probably more costly than buying some (fraction), perhaps smart contract based possibilities to make money with BTC holdings, children or relatives who want to keep holdings within the family instead of selling it...
I say this because many people pursue wealth and once they acquired it, something changes in their mindset and the dream about spending it all when the time has come, starts to vanish. Bitcoin will be one of those assets you know you may never get a chance to get it back for the same price. That has an effect on withdrawal decisions for most people.