JimCam The aim of stellar is not to distribute funds to the underserved and unbanked population. The goal is to become the internet of money so everyone can have a low cost bank account. This will reduce the number of underserved and unbanked people. There is no magic that will transform every poor person into a rich one.
With the mandate SDF decided already a long time ago how the Lumens are going to be distributed. I don't think they will be changing this plan now.
Just my 2 cents Im currently a stellar holder with 50k worth of lumen in my acct i believe we can be the next bitcoin someday.
Stellar is so much more than bitcoin. It has a distributed exchange built in, supports multiple currencies, has great scaling, ... I just would like for stellar to become widely adopted as bitcoin.