The top whales do have more then one account but there's plenty with collections valued at $100,000+. I doubt its something to worry about as currently all the big holders are long time Monster Maniacs. Plus with renting it would be silly to sell such collections. One can make their collections value back with renting in a few short years.
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I was thinking more along the lines of staked SPS for governance and pack releases. But yeah the most at stake have the most to lose so it might not be as big a deal as I imagine.