I agree. The answer  is in the history of ALL monetary systems, as #Bitcoin is , among other attributes, a monetary system. In ALL monetary systems from Egyptians,  to Hammurabi (1700 bc) until today, good money (for centuries Gold, now also Btc) has always been hoarded and used as the best possible collateral for any other form of money, in light of its TOO HIGH VALUE for average people. Roman citizens , Athenians, Middle age populations used silver, bronze and copper, the roman emperors used gold to transfer money to and from the governors of the provinces, chinese held gold in emperor's vault and issued paper money against that gold for all daily uses . There is hence a very high probability that even in this case things will go that way. Difference today, IMO, is that while gold could not be split into micro coins for daily teansactions for tons of reasons, mostly technical reasons, Bitcoin on the contrary has this feature, 100M sats and all coming tech (LN, ecash, ....).