Some things to keep in mind:

The very high wage earners you're talking about also get huge bonuses, and have a much easier time obtaining loans than medium or low income workers. It's not fair, but such employees have an easier time accessing capital in general.

They are likely to have a high net worth overall, separate from their annual salary.

They are more likely to have equity holdings they can liquidate for cash should the necessity arise.

This is one reason that people earning over a certain amount of money didn't receive stimulus checks. Having more money does make a difference because assuming you're sensible and prudent, you have a cushion.