Americans with a bachelor’s degree earn a median of $2.8 million during their careers, 75% more than if they had only a high school diploma So what is the conc

Americans with a bachelor’s degree earn a median of $2.8 million during their careers, 75% more than if they had only a high school diploma So what is the conclusion here? One could easily conclude that those who demonstrate superior drive, motivation, determination and ability out earn those who don't. Bill Gates doesn't have a degree and he earns more in a week than most degree holders do in a lifetime. So is it the degree or is it the person?