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 Seems pessimistic. If less than 1% of the world is using BTC then surely wealth with be generated when the other 99% jump on board. 
 If it scales linearly then my $500-ish worth of BTC will be worth.. carry the 1.. $50,000! Nice I guess but not exactly retirement money.

And no I can't just buy more Bitcoin, with 6 kids I have other priorities. 
 I'm betting on Bitcoin causing economic expansion and deepening by removing inefficiency. So, that we can all carry the 1 an additional time or two. But that will require human effort beyond individuals stacking. 
 I can't buy more because I'm not the only one controlling the spending of my household income and I have to compromise on financial transactions.

That's the way it is for most people, but it is largely ignored when people talk about stacking. Or they brag about how stacking large amounts of Bitcoin against their spouse's wishes got them a newer, hotter spouse. Not all of us want to trade in our spouse with our fiat. 
 People brag about trading their wives because of bitcoin? Really? 
 💯💯💯💯💯 
 That does make me ponder if we will realize a scarcity of the production of new  humans in our own lives. We either invest upfront in kids, or you invest in bitcoin and leave the family behind. 

So even if you end up with a big stack, in a decreasing population-world paying a younger healthier Real Human to take care of us as we age may become very, very expensive. 

So I'm just not sure how dreams of wealth in a world with a decreasing population work out. 
 Investing in humans reduces the ability to invest in Bitcoin.

Everyone who faces this choice is actually lucky. Many people can only invest in Bitcoin. 
 that's a great reason to be happy when the price goes down. Humans are just investing in each other at the moment...  the extra mouths to feed are grinding down our collective store of value. 
 Stack children! My wife gave me 6, there's no trading up on that. 
 I can't stack anymore, unfortunately. Might stack some grandchildren, eventually, tho. 🙏🏻