Fair enough. But you are basically agreeing with me that those with non-trivial positive net worth in their youth will find multiplying it by several thousand times harder.

And we should rule out massive inheritance to be fair, too. That can cause sudden large jumps in net worth.

A person having 10 000 USD in their youth (far from wealthy, just not poor) would need to aggregate something like 50 million USD in their fifties. Possible, but rare.