I don't see how that gets any of them closer to 0.1 bitcoin.

They'll have $1M in their 401k in 30 years and they'll struggle to buy groceries.

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You said "Most NPCs can't imagine investing $1000 in an investment". They can just fine. Just not *your* investment.

fair enough

to my original point, MOST people do not have $1,000 to invest in anything. We live in a bubble. Most people do not have 401k or "own" a home with a mortgage.

Ok dunno in my world they do.

Well sure. In my world, they do to. But not for households that earn $50k/year.