It's more useful to look at it through the lens of Pareto distribution rather than averages.
From the chapter of my book, published also here:
Let's look inside the Pareto distribution, towards the median. If we are among the poorest 80% and within that we are among the poorest 80% and within that we are also among the poorest 80%, we are approximately in the middle (80%^3=51.2%). Thus, we own 20%^3=0.8% of the assets (80% of the poorest own 20% of the assets, and of those assets 80% of the poorest own 20% of the assets, and of those assets 80% of the poorest own 20% of the assets). Thus, in a (original) Pareto distribution, 51.2% of people share 0.8% of the wealth. Thus, more than half of the Bitcoin users in such an 80-20 Pareto distribution would own a total of 168,000 bitcoins.
The question is how many users there are. If there are a million Bitcoiners, then half of them have an average of 0.336 bitcoin per person (but of course, even there it's divided according to the Pareto distribution, so the average isn't very useful). If there are a hundred million bitcoiners, then the poorer half of them account for 0.00336 bitcoin on average. If you have more than that many bitcoins and there are a hundred million bitcoiners, you are already above average. One hundred million bitcoin HODLers is not an unrealistic number. The only question is whether you buy those 0.00336 bitcoins for a hundred dollars or ten thousand dollars.
