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And 5 million is more than most people will make in their entire lives. So for the average person who won't get a multi-million dollar loan/inheritance from mommy and daddy, passive income doesn't exist
..which is a completely different argument than what you started with. You're blatantly moving the goalposts.
You don't need a multi-million dollar loan/inheritance to retire with $5 million. You need substantially less and the time for it to compound. A person retiring today with nothing but boring a passive S&P500 investment of $50,000 and 40 years (average working years length) in 1985 would have $5,508,666 right now without ever making another contribution than the first $50k. That's even going through all the financial downturns during that span of 1987 Black Monday stock market crash, Dotcom bubble burst, 9/11, Great Recession, and COVID.
I'm not disagreeing that most people don't have $50k when they turn 18 to put into retirement, but I wanted to point out the power of the passive part of this that it only takes $50k with no other action but time to retire with over $5m.