I believe that any user of bitcoin is a bitcoin users. It does not really matter where you hold the bitcoins. I started out as an exchange user and now hav most of my coins off exchanges.
And transactions will happen no matter how much miners and mining power there is.
Bitcoin has many problems and challenges but some miners losing money and people having coins on exchanges are not the big issues imho. however if you believe in your convictions just sell all your coins and you will communicate you dissatisfaction to the miners.