1/ I'd bet that 99% of Asians, 50% of whites, and 1% of blacks who have $1M net worth acquired it via slow hard work and diligence, and the remainder through audacity and charisma. So these are ENTIRELY different populations. https://twitter.com/s8mb/status/975738768870313984 …
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Not much to add, just wanted to comment on the beauty of that analogy.
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Perhaps the comparison is best between those who take the stairs (slow, steady growth with low chance of falling), those who climb the outside (long, hard, high risk journey but you're lauded for your achievement and it occurs in the public eye), and...
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