Bitcoin incentive to hoard is not a bug, it is a feature.
Also many people may not realise but bitcoin can only stabilise once it has a deep market. A deep market will be signified by significant holdings of value inside the btc ecosystem. Because of the fixed limit of bitcoins this will only happen at much higher values w.r.t. to dollar, euro holdings etc ... i.e. 0.adoption => hoarding => higher price => more stability => goto 0.
It is a kind of all or none, with us or agin us, type of deal. We are shooting for the fences.
I'm musing about beginning the "Plato Club", people who have gone 'all in' on bitcoin savings. Plato and Rick Falkvinge would be honorary founding members of course.