Like, compounding is magic, except realistically, one or more of the following typically happens:
- Interest rate is so small that it doesn't add up to a meaningful difference over your lifetime. See e.g. most people and regular savings accounts.
- You aren't able to keep systematically saving / learning / etching a canyon for long enough for the compounding to matter.
- There's a natural decay process that is stronger than compounding.
Whether it's digging a canyon, learning new skills, or amassing wealth, it seems that concentrated but unfrequent actions are much more effective than a steady but weak trickle.