You do math well, can you tell me at what point the largest accounts will cement their hold on the coin because the remaining inflation isn't enough to unseat them?
I seem to recall a tipping point in year 8 being discussed in year 1, but it was a long time ago that I saw the conversation and I'm sure the math has changed.

Were this allowed to occur, does it diminish the functionality of the coin?

What worries me most is the hive on the exchanges coming back and monkey wrenching us just when we have a good thing going.