I get why it seems that way but of what use is holding if not using it for resources. Sure people who can save their massive wealth stores will free ride for some time but eventually they use the wealth for their needs.
(Also, for the next few decades even empty blocks keep the security budget humming along until market utilization increases)
To be clear I totally see your perspective and grasp your argument. I would just say that "Bitcoin design is incentiving holding" is a feature of all money. For how long depends strictly on the scale of inflation of supply. You can hold dollars longer than you can hold Naira, but you can hold gold longer than you can hold dollars and you can hold Bitcoin longer than you can hold gold, while maintaining value. There's a through-line as to the reason.
Bitcoiners may be trying to min/max and that could be too lofty or idealistic, for sure.
