Male, 23, hair loss!?

apparently it's natural.. look at prince william.. it's only like 25 and is balding. my cousin is only 22 and is thinning pretty quickly. i know that's not an answer, but i just hope it helps you to know your not alone or anything. (grease shouldn't be the problem because it's actually good sometimes to get your hair naturally greasy it helps it.) do you have hair loss genes?