Given that ~40% of Americans would be hard put to cover a $400 emergency expense[1], I think you'll find that the set of people who have the opportunity to amass $184,000 in savings is already a pretty rarified group.
If you ignore all externalities, sure. Having to take on student debt, having medical expenses, having children early... there are a myriad of reasons why one may become trapped by the economic system
[1]: https://fortune.com/2023/05/23/inflation-economy-consumer-fi...