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Why would the people holding all the 21mln bitcoins be the richest people in the world?

They are not. My logic goes currently how many billionaires are there world wide: about 2,640.

Then work backwards, how much networth do you need to be in the top 21 million people world wide: 4-5 million.

Why did you pick up 21 mln people? Just to make a contrived connection to the number of bitcoins?