This needs to consider the fact that people who save also have enough money to go a month without spending all of their money.
In the world, there are people who do not have enough money to even live, pay bills and even eat properly. When you tell people to put money aside and retire early you are forgetting one key element that there are billions of people like me who spend very carefully and still have nothing left to show after certain days. If you are making enough and can save money that is amazing news!
Because you are one of the rich people in the world, people think the "rich" consists only of the wall street CEO types but no, if you are making 400k a year that makes you %1 richest person alive.
I perfectly well understand your point, but OP is talking about people who can actually save some money for their personal retirement fund but don't do that for various reasons. And this is not about extremely rich types like the ones you mentioned, either. Those don't need to save anything as they already have got enough and basically work just for fun (or out of greed). It doesn't mean that they can't end up under the bridge, but again this is not what the topic is about.
Regardless, we were all given pretty much equal chances with crypto in the very beginning. So if you were knowledgeable, insightful, or just lucky enough, your starting financial position didn't matter a thing. You could literally get tons of bitcoins for nothing, just by sticking around faucets and airdrops that had been giving away hundreds of free bitcoins.