Sure you can find an edge case in my general statement.

> The evidence of people usually choosing to retire

The key word in that is "choosing". A huge number of people even in G7 countries comprise the working poor. They cannot, and likely will never be able to "choose" to retire. They work 40hrs/wk, often with two incomes and have no savings.

While we can debate the life choices of some of these people, it remains that working 40hrs/wk should not lead to an outcome where you can only just scrape by.