Ageism in tech is based on the premise if you aren’t already a multimillionaire dabbling in angel investing by 30, you don’t have the “it” (ambition, skill, etc) to really contribute at a high level, and a young programmer can do similar work but be more familiar with latest tools and langs

While true, in my experience, many much more experienced developers can do a lot of things the less experienced ones think they can.

What about the people who did make a lot of money but like to work and create things?

The assumption would be if you are someone who likes to work and create you will be a founder or maybe work on some mission specific passion career.

People worry a lot about ageism here. I'm not seeing it be a problem in the real world.

At every company I've been at, the most senior people are the ones with the most pull, with the strongest direction and advice.

I've worked with a few people 60+ who suck. I bet they sucked at age 30, though.