Comment by nartho
How wealthy are the wealthy folks you know ? a quant or faang principal engineer making 1.5-2 million/year is wealthy and worked hard to get there (although, luck is still a big part of it) yet they're much closer in wealth than a fast food employee than they are to the super rich. Someone who has accumulated 50 millions of assets is wealthy, yet they'll never afford a super yacht or the lifestyle that billionaires can afford.
the principle engineer may have a lot of money but also still has a job with a boss and thus probably still hears (or know they can potentially hear) "no".