Thought experiment about percentage of adoption.

Hey, maybe someone have an idea what I am missing. I read about the post where its said that the adoption rate is at 4,7% (compared to 1999 Internet adoption). If I look up how many UTXO's are in existence it says approx. 182 million. Lets round this up to about 200 million UTXO's in existence. That would mean that only 200 million people could hold bitcoin at maximum, because they need 1 UTXO minimum. that means there could only be 200 million bitcoin holders worldwide. This results in a maximum percentage of 2,5% adoption at maximum. most people have more than 1 UTXO in their wallets.. (I do have 13). So what am I missing that it is at 4,7% adoption rate?