Would You Still sleep well? Or You check btc Price Every hour or so?
If the amount you're investing would cost you your sleep and lead to anxiety then it's not spare money, and if it's not spare money you should not be putting it into an investment, which always comes with risks. This would apply to $100 million or $100, if it's above amounts you can afford to lose; do not invest it.
Bitcoin getting to around 50-100,000 is a small possibility. A million per BTC is just a pipe dream. Something that people just repeat meaninglessly. This would mean a complete re-writing of world's power structure. That would take another 4-5 decades of respectable, robust and growing existence. More importantly, a far greater distribution is needed than <3% of addresses holding 95% of BTC.
I agree with the growth process, which would need time and years of development for Bitcoin to fully adapt in functionality.
However, the distribution would be a direct reflection of the wealth distribution in the world today, Bitcoin has a market value and the more fiat money owned by someone, the more bitcoins they can afford to purchase. The percentage of Bitcoin holders so also skewed by the presence of exchange wallets and ETF holdings.