It's a can of worms

The alternative is to just keep dividing it into smaller pieces like millisats, right? Is there some kind of problem with that?

A change to fixed 0.073% to 0.5% inflation (980 to 140 years to double) inflation to account for lost keys once 21 million is reached wouldn't upset me. Fuck 4% - it would only take 18 years to double. That is some fiat fucking thinking.