I actually think it's the other way around. When you're 22 it doesn't take a lot of money to feel like "man, I already have all the money I could ever need." You're living cheap, you're probably single, you're probably healthy, you're probably not thinking too hard about retirement. So money's not as big a pressure point in your life as it is when you're (say) 42, with a house payment and two kids you want to send to college someday and an underperforming 401(k). When you've got those worries, I have to think it would be harder to turn away $100mm in hopes of making a billion later on.

So true, 22 yo don't have wives who will skin them off if they reject that much money :)

If you're driven and have a clear vision, it seems less unlikely. If you're just building things for the sake of building things because you like to build things, that's a little bit different.