edit: Well shit. Probably should've checked current posts. Didn't realize about 15 other people posted the same thing.
https://www.stellar.org/blog/bitcoin-claim-lumens-2/
It's not too late to claim your free XLM. You cannot claim your XLM if your BTC is in Coinbase.
You would need about 2.5 BTC to get about $100 dollars worth of XLM at its current price.
Since XLM is at about $0.04, $100 dollars worth is 2500 XLM.
2500XLM/16,000,000,000 released XLM = 0.00000015625, or 0.000015625% of the total share of released XLM.
0.000015625 % of the total amount of bitcoins in existence (approx 16,000,000) is 2.5 bitcoins. Simple ratios.
Do you think that the released XLM will cause a drop in XLM price? It is probable that not all of the 16B XLM will not be claimed, however it will still be released one way or another, and thus still diluting the total XLM pool.
Will Zelle delay banks adoption of Ripple and XLM? I bring up this topic here: https://steemit.com/zelle/@pirateskank/will-zelle-delay-banks-adoption-of-stellar-lumens-and-ripple