How many people have meaningful amount of bitcoin?

I often ponder this question. How many people on this planet truly understand and own bitcoin. I realized that the number is very small.

https://bitinfocharts.com/top-100-richest-bitcoin-addresses.html

Based on the bitcoin rich list, there are less than 4.5M addresses that holds more than 0.1btc, which is my meaningful ownership threshold. I know it is high for some people but I will just go with it.

Assuming that each person on average has 5 addresses, that's less than 1M people on this planet that has more than 0.1 btc.

Is bitcoin just too difficult to understand and own?