> With $10 million in the bank, earning 4%, you'll see $400,000 a year, less taxes.
This isn't your point, but $400k puts you in a top tax bracket, so figure 30% of that goes to taxes. that brings your return down to 2.8%. The Fed wants to keep inflation at 2%, but it's usually a bit higher, leaving your real return at 0.3%. That's $30k per year.
Whereas with $10 billion, you'll get $400 million a year, or about $7.5 million PER WEEK!
I think guys like Musk and Andreesen (&SBF) might have gone insane just trying to spend their money.