How many years does it take to earn a million dollars if you put in $100 in a 5% savings account?

The correct answer was 190 years. What I want to know who has so much time, that they can figure out how fast that 100.00 grows. Why not figure out a dollar amount that people can put in, and be alive to see the million dollars. Can I borrow a 100.00 from you all? I promise I will leave the money for your kids or their kids.