Right, but if for each of the past 100 years you tracked people who put money in the stock market and held it for 45 years and averaged each of their returns yo

Right, but if for each of the past 100 years you tracked people who put money in the stock market and held it for 45 years and averaged each of their returns you'd get a 7% YoY return after adjusting for inflation. Some would end up lower but some would end up higher. Nothing is guaranteed, but neither is a job.