I understand where your worry is coming from, but the statistics on this thing are not simple. You should take a look at this excellent post on dilution by @hisnameisollie (and also rebuttal to criticism on that). While I believe that the centralization of wealth is not insignificant, I also don't see it as a major threat to Steem.
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thanks it is links like these I am looking for. As to is it a major threat I am going to copy and paste from another comment I made