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It’s actuarially closer to zero than it is to $200,000, but I acknowledge that *could* happen. It’s just less likely than likely.

False. Income and wealth have been proven to correlate highly with longer life expectancy. This is not a case of 'could' (as even the poorest person could live to 100+). We are talking about probability. If you have more wealth, then it is probable that you will live longer than the average.
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