You should consider, what the definition of "rich" mean to different people. {In the 3rd world countries, people with a car or a house is seen as being rich... no matter if that person are in debt to have that car or house}
1. Man "A" has no debt and no car or house.
2. Man "B" has a car and a house, but he has a unpaid loan and a bond of say $2 000 000.
Do you think Man "A" or Man "B" is rich?
The early adopters are in a much better place, if they still have those coins or the value after they sold it. {So yes.. they might be rich}
You can still get access to the NEW coins being released daily, so the "early adopter" coins should not exclude you from being rich.