I speculate that many people will lose their bitcoin out of misplaced arrogance, and that this process will gradually distribute bitcoin to the hands of families that learn humility and are able to preserve their wealth. This process might slow down the so-called "fixing everything" process as I write about here: https://heaviside.substack.com/p/210-years-of-darkness-on-bitcoin

Another thing to remember is if you go a dozen generations deep, you can have millions of descendants, so that alone can thin out the stack across an ever-widening family.