you forgot the elapsed time in your example. How much was the elapsed trading time of Person A? One month, or 5 years? the sr rule "protect" your account in the 5 years situation. I had a similar conversation months ago.
The main point is the time, because the probability of a larger draw-down increases with time. So longer time=higher risk.
If the person A of your example is trading from one week, has almost the same risk of person B.

HtH