I think the person was speaking to the fact that the median savings account of the average American (big average) is 84,000 www.federalreserve.gov/econres/scf/…/table/#serie…
Or that the average person under 35 has less than 18,000
The average American isn’t winning big with stock market gains. Crashing the stock market might wipe out my measly 15k, but I don’t own a house yet and I can’t touch that money for another 30+ years, so it can’t help me at all anyway.