You might be 1% likely to die working software, but 20% more likely to lose 1 year of life due to inactivity. Different people might choose differently.
So yes, we are all serfs living in various degrees of comfort, but without that which we really crave: freedom. Sure, we could start a business, but most of the capital for doing so (past and present) is held by a very small number of people. Wealth perpetuates wealth, you've got to have money to make money. And you have to have a lot of money to earn your freedom.
To be fair, if you're willing to move somewhere cheap you could easily retire after 15 years as a software engineer in the Bay Area. So it's just ~20% of your life.
I don't know if this is true. I think my savings would have ended up much larger had i NOT moved to the Bay Area due to the cost of living difference. I make about 1.5X here what I used to in Nowheresville, USA, but my cost of living is 5X. My savings rate here is close to zero whereas I used to actually fund my retirement accounts. It's a complicated problem.
Do you need some restaurant recommendations? Everything I get delivered is great.