The idea is that the life experience you accumulate - and everything that goes with that - is often extremely valuable, critical to success. Zip2 got Musk started, it no doubt helped him accumulate experience and connections to start and run later ventures - training wheels for what came later.
Musk could build Zip2 at 24. I would say there's zero chance he could have successfully built Tesla or SpaceX at 24 (ignoring the capital requirements). I think that far more often than not, to start and build great companies, requires a small lifetime of accumulated experience and mistakes.
The media myth of the tech industry and its important companies being founded by 19 year old Zuckerbergs, is just that, a myth. The media loves that story because it sells, it's just not real.