If a minimum wage worker started working at age 18, and worked until 67 (the retirement age set by the US Social Security Administration) and worked 40 hours a week every week, they would make less than a million dollars in their life (at the US federal minimum wage of $7.25 per hour).

So, a millionaire with $10M would have to spend more than 10 lifetimes making up the overpayment.

A billionaire with $1B would have to spend more than 1000 lifetimes.

A billionaire with $200B would have to spend 269,745 lifetimes.