Maybe I'm more off-the-handle here than I care to admit. I don't know why I still get constantly surprised by the crazy idealism of HN. I'm a 100% dyed in the wool hacker, coded BASIC in grade school, but there are aspects about the culture that still elude me, mostly because I have a lot of other identities and can't constantly keep tabs on what this particular community feels.
So yeah, I'll concede the logical points you raised.
But you have no idea how many really and truly irrational people I've run into in my day. Life wasn't kind to them, and I'm expected to fix it, and if I don't, I'm the irrational / disloyal one. I am very very attuned to the irrational mindset.
But HN has its crazy idealism, so the second I call one person irrational, everybody here jumps on me like I'm a crazy job Nazi. I attacked your idealism, I must pay. I get this crap with my roommate, who pissed away 3 jobs since I've known him and have to give a break on the rent because he's satisfying other obligations that he took on at least partly due to idealism.
So let me state, for the record, that not wanting to have a 9-5 job is an eminently rational thing to want. Wanting it against reality, however, or without a realistic plan to accomplish it, or settling on stupid ways of getting there, like just quitting without a game plan, is a recipe for pain, not prosperity. You're not dealing from a rational frame, so your outcomes will not be what you want them to be.
My strong reaction comes from many many years of dealing with people who beg for your help, but just can't be helped. You can't talk sense into them, you can't give them anything that would meaningfully help them.