The AI doesn't address AT ALL what he said. and neither have you. Bitcoin incentivizes free-riders (hodlers) that control UTXOs but do NOT contribute to the security budget through paying transaction fees. The security budget is only payed by people actually making transactions on the network. Although hodlers also benefit from it. As MM points out, the security of the network is one of Bitcoins primary features. So a subset of people pay for that network security and a subset are free-riders. The definition of the free-rider problem.

The free-rider problem has never been a problem. I don't understand this whenever anyone brings it up. It's just nagging at imaginary abstractions absent of context.

Just because you don't understand it doesnt mean it doesnt make sense. It is an architectural problem. Are you saying it's just not there, or that it's never going to actually result in failure? There's nothing imaginary about it, incentives are always outcomes.