There’s nothing wrong with what you’re saying, but I find it hard to see why that matters. I mean, 1) bitcoin still isn’t a currency and there’s no signs of it becoming one 2) the banks and governments seem fine. It’s definitely gaining in value, but so is Apple stock and gold.

But more generally, I don’t see the point. We’ve established that the people who end up with lots of bitcoin are people with lots of fiat money (and some early investors), so all you’re doing here is perpetuating the current economic distribution, and frankly fiat currency and the corresponding banking system is very effective at that already.