You are quite right that there are only few people who owns Bitcoin. Most of these few people are mainly speculators.
This Techno Currency is not backed by any Authority and is also not backed by any tangible assets.
Yes if there is any financial crisis ,investors will go for Gold rather than Bitcoin.
Again there are many reasons for financial crises . The situation in North Korea, Middle-east,South China sea ,these are are flash points and situation can deteriorate any time in future which will create financial crises. Rather than go for Bitcoin ,people will always go for Gold.