I believe that your question is somewhat rhetorical, but I will offer an answer.
Question: Who needs a million $ cash to retire?
Answer: A person who a) can't or won't work anymore, b) has no pension, c) has only meager SS earnings, d) doesn't have wealthy family ready to step in to subsidize their living expenses and e) wants to live a reasonable lifestyle in a safe/simple residence in a reasonable or low cost of living area.
If this person has $20K in annual SS payments and is covered by Medicare or other low cost insurance, then a 4% withdrawal rate will allow them to maintain a style of living similar to a typical "middle class" person in the USA.
Change any of those (and perhaps other) variables, and the answer changes.
(I suspect I've given more thought to this answer than was put into the original question.
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