Putting the scale of dollars and the startup world aside, AOC’s comments read that way would suggest a farmer who gets a series of loans from the bank to help him expand his family farm from a $200K sole proprietorship to a $10M sole proprietorship didn’t “earn” it either.

I don’t think a definition of “earn” that excludes cases like that captures the generally understood meaning.

Didn't AOC's comment specifically say a billion? Why would it imply someone increasing from $200k to $10m didn't earn it?

I don't think putting the scale of dollars aside is reasonable when the entire point is contingent on the scale being at least two orders of magnitude higher and sole proprietorships usually don't scale to the point where fines from ignoring regulations is just the cost of doing business.

Getting loans seems definitionally and literally very much not something that involves earning.

"Earning" is a subtle word with a variety of usages. One usage is limited to wages or return on labor or effort, and in that sense can refer to anything where a reward is due and proportionate to an effort, like a treat after a hard workout, buying a car after saving for years, or wages. Another usage focuses on profit. When AOC talks in the zone of this first sense, it should be understood that there is only an implied fair reward for sweat and tears, and that past a certain point it's really entirely unrelated to wages or effort.

The farmer doesn’t own that mega farm until he pays off the loans.

How does he get the money to do that?

By paying farm worker less than they deserve, farm equipment manufacturers more than they deserve, and using farming practices that destroy the ecology and depend on continued fossil fuel extraction.

(And in California where the most profitable crops are perennial fruits and nuts, probably outright stealing water from the aquifer or state irrigation system.)