You’re missing the point. The risk might not be very high on average, but if you don’t want to end up on the streets, regular people still have to kind of function inside the system somehow and continuously work for regular income. The will to survive is part of what drives them to do so.
Billionaires on the other hand, wouldn’t even have to lift a finger to be able to live comfortably for the rest of their lives. On the contrary, they’d have to try really hard to get rid of all that wealth. Major fuck-ps and intentional money burning excluded, the chance that they end up having trouble getting their basic needs fulfilled is miniscule. THAT is the difference.