Usually those rich guys don't have that money sitting around - it is invested somewhere. It also often only exists as shares - that are some kind of imaginary money that doesn't really exists.
They can't spent that money without destroying what gives its value.
SSDs are by design less susceptible and more robust. No moving parts and able to work in much harsher conditions than hdds will ever be able to. The standard set by JEDEC requires every consumer ssd to have a 1 year data retention while powered off at 30 °C (I think). That's the minimum it has to archieve but usually they are better than that. Do not buy the cheapest thumb drives because they contain the all the crap that wasn't good enough to make ssds from it.
Btw you need to fire hdds up regularly too or the motor gets stuck. I think every 3-6 months was the recommendation.
Don't make it flat every 5 years. Let a software monitor the SMART values of the drives and send notifications if the values indicate an increased change of a dying disc/ssd.
Those are the first that fail, followed by the usb controller chip in the tray. Keep it as simple as possible. Removable trays are probably the best way but I'm not sure how much wear they can take.
Do not buy 2.5" drives. This class will die out soon™. There were no new hdds introduced in years and ssds are often replaced by M.2 ones because of the faster connection.