Because for someone 22 years old to have that kind of scratch one of three things must happen.

1. The person has made some incredible contribution to the world andhas been duly credtied very soon afterward. The chances of this happening are about as likely as everyone on TR being struck by lightning simultaneously every day for a month.

2. The person has become involved in some venture that gives no regard to the humanity of the populace and only strives to rake in as much dough as quickly as possible, no matter how much fucked up shit gets perpretrated in the process. This is very likely, given the American business climate.

3. The person is the heir of someone who did one of the two things above.