I mean, yeah. Most people don't even come close to that when adding up everything they earn in a lifetime. So to get a billion before 30, where more than half of your life was in school and growing up. Not much to generate wealth for investments. Building companies takes time and money too and you're not going to be a billionaire from working enough regular jobs.
I don't. Used to have a prepaid credit card, but the services is gone now. I am seriously considering it for some time now, given that a lot of services, especially US based, require credit cards.
In a way social media is a drug and most of us were addicted. At least I was on Reddit, because I liked being there. So not using it, especislly when it was kind of a habit may not be easy for many on virtue fo that alone.