I agree on the match, but otherwise it’s not really an answer. Anyone can open an IRA or a Roth IRA or a Keough/SEP.
There are ways to save and as TJ said, no force is greater than compound interest. It works. But you have to do it. Or get the help you need to get started.
All of that is true, but a lot of those people do not make enough money to do so. Small businesses also do not have the highest salaries. Plenty of families have two working adults, sometimes one or both have more than one job to rear a family.