Okay, so I'll make a spreadsheet where I assume a 50% annual return and then show it's so easy to retire in less than 10 years! For ANYBODY! On only $50 per month of savings! YOU'RE AN IDIOT FOR NOT DOING THIS!

The point is that eventually a quantitative difference becomes a qualitative difference. Few people can make a 10% annual return and many, many fewer still can make a 50% annual return. But if you just buy index funds, it's fairly straightforward for just about anyone to make a 4% annual (real) return.

Given the gigantic difference in how these curves grow over time, it's entirely fair to point this out.