For Wharton -- you have to be able to demonstrate some interest in business and pursuing a business career. That does not mean that you have to have started a business in HS (though TBH a lot Wharton kids do that bc it's the "easiest" way to demonstrate business interests). But it can also be done by having had internships or simply discussing/showing your leadership abilities with demonstrable plans for how a business education would pursue your goals. Even if your goal is to end up with the same cookie cutter Goldman Sachs job that every Wharton aspires to, I would encourage you to NOT focus on that and focus genuinely on some industry/some problem in your community etc. that you know about that you feel a business education would be helpful for.