Post-PayPal Musk or for instance a big movie star risking every dollar of their life savings in a venture is different than the worker who has saved up their stake over 30 years.
2000’s Musk from his Paypal reputation can easily get a very lucrative job if things go completely to zero. Current day Musk can make six or seven figures just by sending a couple tweets. The movie star with nothing other than their name land a job or six or seven figure deal. They’re never really risking it all.