65 isn't so near EOL, the average life expectancy for a 65 year old woman is 20 years, and 18 for a man[1].
20 years is a long time... everything you do between 15 and 35? The majority of life's accomplishments for most -- you could do that all over again between 65 and 85, now with the capital and experience to do something interesting.
I think computer-assisted medical developments might push that out another 5 years in the next decade or two; so the life expectancy is 25 instead of 20 from age 65.