Earlier quoted context omitted.
It's not a tribalism thing. My work is how I directly make the world a much richer place than it would be without me - otherwise I wouldn't be able to skim off some percentage of that value as a salary/income. That's something to be tremendously and persistently proud of, no matter who you are or what you're doing. Besides: If your one and only goal with work really is "do as little as possible to not die", this is e…
"Yet we almost never see people do that." There are plenty of people doing that (until their funds run out, which always happens faster than planned). "My work is how I directly make the world a much richer place than it would be without me " And richer in real ressources? Numbers of money are a arbitary thing and do not necessary relate, if they actually make the world a better place.
(How annuities work, roughly: Say you have $100,000 in that nest egg. I'm sure you could find some financial firm willing to take it off your hands today and give you $4,000 per year for 50 years, and maybe even in perpetuity. That's because $100k sitting around in their index funds will likely have ballooned to $1m+ over that timeframe, whereas the payout to you would be a mere $200k.)
The fact such annuities aren't very common suggests your phantom population isn't either.