True but at the end of the day, someone is going to be holding the coins, and that entity is better off holding PoS coins that PoW coins. We can tweak the scen

True but at the end of the day, someone is going to be holding the coins, and that entity is better off holding PoS coins that PoW coins. We can tweak the scenario to say that you're forced to buy and simply hold one of the currencies, without loaning them out or otherwise touching them for 5 years. Then clearly PoS has the advantage.