If you live until 81 those real returns grow to 10% annually.
Yep. And per mathjack's earlier graphs, if a couple is both alive at age 65, there's a 45% chance (.62 x .72) that they'll both be alive at age 80 to enjoy those big returns, and only an 11% chance that both will have already died and the couple will miss them entirely.
If they've got a portfolio, they may feel safe in giving to charity and kin while they are still alive with real returns like that.