You haven't looked at the statistics on this, have you? Imagine vastly simplified world where people are in full time education (with no income and zero net wo

You haven't looked at the statistics on this, have you? Imagine vastly simplified world where people are in full time education (with no income and zero net worth) until age 20, then they start earning wealth at a constant rate. At age 30 they'd have 10 years of savings. At age 60 they'd have 40 years of savings, and that's 4x as much.