If you have millions of dollars, why would you ever risk it?

Let’s exemplify a YouTuber who has/sold $20 million in crypto and stocks, buying back in at times, saving 2million here, loosing .2m there.

Why? Fricken why? If you have even one million dollars – put it into stable coins and make double percentage APY – that’s $100,000 a year – passive – without loosing initial – FOREVER!. It would be easy – mindless – you would live with an income only the top 30% of Americans achieve – you wouldn’t have to think or worry or trade – you could have any job and invest the apy into anything ANYTHING you please – shitcoins, charities, go for it all!

At what point does it stop being money and just become a numbers game?