Bitcoins are analogous to gold; both gold and bitcoins are limited in total amount, making them an effective way to store money without paying the "inflation tax".
We don't know how much gold is yet to be excavated. Gold is limited is a narrative used by gold traders, who want to make you think it's scarcer than it really is. There's a lot more gold waiting to be mined. THe only problem is that mining is expensive, but this can change when new technologies are introduced. At some point we might be flooded with gold.
I can speak from the EU citizen's perspective, You can buy as much gold as you want, both in physical and paper form. You can go to a store in person, or order it online. I know people who have more than $100k in physical gold. The more you have the harder it is to store it though.