After interacting with some people with FU money, they don't tend to give up on career very easily. They don't want to be stuck at home - they want to keep doing stuff. So, inevitably, they keep working, doing startups, taking on executive roles at big companies after they realize they suck at startups (like most people - obviously)... because that's what they know best and feel most useful for. From the people I know, once someone whose identity relies on being a provider suddenly no longer has to work to provide... they tend to have a bit low of satisfaction unless they keep working. So they work even though they don't need to because it gives them a bit more purpose/happiness/whatever.
Meant with no disrespect: some people are naturally better suited to be employee types imo. Everyone fantasizes about life on their own, but most aren’t willing to make the tradeoffs to do so.
Source: retired by 33, while making tradeoffs and living places that most of my peers would find unacceptable. To each his own.
So - it's not just a matter of if early retirement is for someone but also if they can enjoy the lifestyle they want with the savings they have. And, unless I had like $10m+ saved - I doubt I could fully enjoy the life I'd like to lead. And since I don't think $10m is just gonna land in my lap anytime soon - I'll continue to work to get to the lifestyle I enjoy.