I disagree that your characterization of this as flipping the coin is a good one. Flipping the coin would be to say, if I stole 500 moneys from a 70 year old account, or a 22 year old, which one would suffer most. I believe the 22 year old would suffer more.

There is a completely different question which is: Is it better to be financially miserable when old, or when young. I think Puneet Sahani has settled this issue by awesomely being homeless at 26-28 and indian while travelling many countries. It is better to be financially miserable when young.

So the marginal return per unit of money, I'd claim, is higher near misery values when you are old, and higher otherwise when you are young. Do you think we may be going towards an agreement here?

Edit: Apparently, as a non-native I did't know the connotations of "flipping a coing" I though it meant something like "reverse your argument" or "do the opposite to see how inconsistent your position is". Now I have no idea what it means.