As we age, certain ailments just appear. Like wrinkles due to reduced collagen production. It could be loss of genes, every time DNA transcription takes place, a piece of DNA is lost. Initially it's just nonsense DNA, telomeres, but eventually we start losing genes, going gray, bald, losing skin collagen... Just a theory, but there may be a gene that protects our follicles from DHT, that at a certain point in life is just lost. There's a huge number of alternative, more plausible explanations, I'm sure...