Yes to the last part, though this is kept in check with information proliferation and the ever present alternatives. But the rest, I'm sorry, that's not how markets work. You don't become an oligarchy just by large amounts of money alone, and the wealth inequality is driven by fiat currency, not Bitcoin itself. If it weren't for Bitcoin, a shitty mix of other assets would have immense NGU instead, like housing. THAT would become unaffordable. Small amounts of bitcoin will always be affordable. It's extremely highly divisible on layer 2 and layer 3.