Ignoring passion, does it make sense economically to join a startup in the Bay Area?

It doesn't seem uncommon for very young (25+) top engineers in the Bay Area to be making anywhere from $175k/year -- 250k/year in base salary + bonus + equity. Over 30 years, that's a more or less guaranteed $5m -- 7.5m before taxes from a single income. (Ignoring things like promotions and older engineers possibly needing to retrain.)

If you're not an early employee at the next Google, or a co-founder of a to-be-talent-acquired company, is it likely at all that you will beat those numbers at a string of startups? And if you do beat those numbers at a startup, is it because you're basically doing the same work you would be doing at Google anyway, likely ads or infrastructure?