Interesting question. We know the most popular holder culture is from the BTC community, and send BTC is extremely expansive and slow. So I guess 50% BTC holders can't or unwilling send crypto. As for the other new crypto coins (shitcoins), they often be delisted from exchanges because of the trading volume is too low, withdraw these coins from exchanges is risky and inconvenient.
Is a holder never send crypto a real holder? It's not. Because he didn't "hold" the crypto in his own wallet. I think in your question you refer to generalized holders.
78%?
Just thinking of all those folks that have bought on Square’s Cash app (for example), but never gone to the extent to verify identity fully or set up a wallet or maybe buy and hodlers that leave their coin in the exchange.