It was not accurate to say that Bill Gates was not the world's down payment. Although Bill Gates and his wife Melinda Gates had huge wealth, their wealth did not come from a single source but from multiple investors and charitable foundations. In addition, the ranking of the world's richest people was calculated based on various wealth indicators, including stock prices, sales, asset appreciation, and so on. Changes in these factors would have an impact on the rankings, so whether a family's assets could become the world's richest also needed to consider changes in these factors. As for why the Rothschild family had 30 trillion US dollars in assets but was not ranked as the richest in the world, it was because the family's wealth came from many different fields, including finance, manufacturing, healthcare, and so on. Their wealth was not concentrated in one field like Bill Gates and Melinda Gates, but scattered across different fields. Therefore, although they had huge wealth, they were not ranked as the richest people in the world because of the high degree of wealth dispersion.