You can be wealthy and not be "pay your own medical bills" wealthy.

T2. Alien. Predator. John Wick.

You are missing a piece of the analogy.

After each key press the size of the letters change, so some become more likely to be hit than others.

How the size of the keys vary is the secret being sought, and this training requires many, many more monkeys than just producing Shakespeare.

Overhead is the same (maybe less if management is smaller and cheaper) but dividends go to workers instead of shareholders.

Downside is that raising capital to grow the business is much harder and it's much harder to take risks because the effects are not diversified.

Wrong answers only...

Fallout

This. Lego has amazing tolerance for a toy, but isn't leading across the whole of the injection molding industry.