&gt;&gt;&gt; available at $50 million in net worth is indistinguishable from $50k [+], but the price is 1000x higher.<p>I cannot disagree more.  At 50m you have a totally different perspective in this day and age.  Investment for profit is often not the primary concern.  Wealth protection, transfer from one generation to another, access control, family members, lawsuits ... lots of things that are not relevant with 50k in the bank but become big deals with 50m.  The investment advice sought and offered to those with 50m to protect is altogether a different product than that offered to those with 50k.<p>If you have 50m in the bank, &quot;saving&quot; for your kid&#x27;s college expenses is a radically different question than if you only have 50k.  Protection is far more a priority than any &#x27;saving&#x27; concept.<p>And taxes!  That tiny amount of interest on 50k won&#x27;t be taxed at nearly the same rate as that from 50m.  Therefore an expensive but &quot;tax efficient&quot; scheme based on expensive lawyer advice, not robots, is worth the money.