What if 900 million retirement accounts suddenly entered crypto? Industry veterans like Tom Lee argue this could trigger a 200x surge in Bitcoin adoption—sounds ambitious, but the numbers tell a compelling story. Currently, only 4.4 million Bitcoin wallets hold significant amounts, leaving a massive untapped pool. As institutional adoption accelerates and regulatory clarity improves, the gateway for mainstream retirement funds to flow into Bitcoin could swing wide open. The gap between current penetration and potential adoption rates suggests we're still in the early innings. Think about it: traditional finance is slowly warming up to digital assets. When that dam breaks, the impact on Bitcoin's user base might be far more dramatic than skeptics expect.