I was wondering about this myself. There's a fixed total supply of bitcoins, and a non-zero rate of loss can be expected - this doesn't seem like a good long-term combination.
The Bitcoin protocol allows for 8 decimals worth of divisibility, meaning that there are actually 2.1E16 or 21 quadrillion
"units" (aka "Satoshi's") available.
Also, it's impossible to distinguish between a hoarded bitcoin or a lost bitcoin. But if it is lost, it effectively leave the money supply forever.