npub1vcmufrf8797cmv8adfl8c7cz9n25tdrgac0ywkwzaamv9vlk6qdszk56xq (npub1vcm…56xq)
if you assume no interest, which seems to me totally wrong, yes you are right
but if you put in even a modest interest rate, it is easy to get a billion
https://www.calculator.net/investment-calculator.html?ctype=endamount&ctargetamountv=1%2C000%2C000&cstartingprinciplev=10%2C000&cyearsv=200&cinterestratev=3&ccompound=annually&ccontributeamountv=10%2C000&cadditionat1=end&ciadditionat1=monthly&printit=0&x=Calculate#calresult