Nice concept for a question :P
but in my opinion the so called ''whales'' are probably the first people that had the guts to buy crypto money and so where able to invest early and cheap in Steem.

The sad thing is 95% of the people just life their life like a movie that's already written. And Crypto and Steem is for the most of those 95% not on the movie jet. The people who take the risk and think out of the box are the once that making big money right now