I think that governments and banks have been accumulating bitcoins for a long time. Perhaps thats why the norms for bitcoin regulation, prohibition of fraudulent schemes for trading on the exchanges have not been adopted for so long. Until now, there are a number of countries that prohibit any bitcoin operations for their citizens. After all, while there are no proper laws, many people will consider cryptocurrency dangerous and uninteresting and, accordingly, such an idea about them will not buy them. This in turn allows governments, banks and the rich people to accumulate bitcoins and, in parallel, make money on them. After all, let's face it, you or I, for example, with your own 10, 20, 50 bitcoins, not will be able to significantly influence the rate of bitcoin.