For sure there are some guys who might be more motivated than others to build up their finances, so when they are motivated, then they may well end up doing way better than their peers and perhaps even catching up to (and passing up) some of their peers that had way more advantages.
~snip
It's your motivation that drives you further in life, if you are motivated to study you will work hard and excel in studies and if you are motivated to improve your finances then you will look for opportunities and try to grasp them as quickly as possible. Likewise, if someone is motivated to excel in Bitcoin then he will look for ways on how to accumulate bitcoins in best manner. Just throwing money in Bitcoin won't help unless you follow some strategy.
The two comparisons you have made between a person who is staking vs the one who is not stacking. It's better to have any number of Bitcoins then having no Bitcoins at all. Those who are stacking for last 15 years are in better position at the moment compared to those who just started. Likewise anyone who is starting today will be in much better position after 15 years from today then a person who is about to start Bitcoin accumulation in 2040. This is a very straight forward comparison, the sooner you get into Bitcoin better it gets that for you. Even if you have zero Bitcoin then start investing today so you will be in better position after few years and that's 1000 times better then having no Bitcoin.