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> I'm sure there's some rich people / families living in otherwise underwhelming houses, but they're generally a minority.

There are more than you think. Pretty much every city has a nice neighborhood where the wealthy residents live. The difference between someone worth $10mm vs someone worth $100mm is not visible from the street.

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Does that difference matter when kidnapping? Its not like the 100mm person has more money readily available, as they'll likely both have the bulk invested/tied up in some way.

You can only get their fluid money which is probably quite similar in a time sensitive situation like that.

I would assume someone with $100mm in assets has more of it in liquid assets than someone with $10mm in assets (a large amount of which would be their home).

when someone has a gun to your childs head, i dont think you will be thinking about longer term or short term capital gains

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