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There's going to be a lot of difference in practice between accumulating a lot of money over the course of decades until you're in a pretty good place in your 50s, and having all of that dumped on you in one fell swoop when you're 19.

Among the things that a SV engineer who manages that has to think about is if they have children, what happens when they die. It's nice to pass some things on to your children, but at the same time, plopping a million dollars in assets down on your kid all at once may not be doing them favors. Best to look at your options. (I'm not going into it here just because it's really more than fits into an HN message, nor should you take the advice from me; I'm aware that there are options.)

Well, it goes both ways. No shortage of tech worker manchildren who despite their financial situation still have no idea how to behave in a way that will encourage people to like them.

I am not responsible of how it sounds to you. But you are free to think that I have directed an insult to millions of people out there, of course.