These are all just estimates.
But if your life is worth x per year, and you x * z number of waking hours, and you trade some of those waking hours for cash ...
Where am I wrong?
Edit: I’m not even sure why we are pruning non working years from the calculation.
In other words, society doesn't care what you're doing when you aren't working, as long as you're leaving society alone. Thus society has no real reason to pay you just for existing. We might demand that our society put money in everybody's pocket, as a way of creating a capitalism which respects humanity, but it is not strictly necessary, because money is not strictly necessary for a society to exist.
So the total value of your life, to you, should necessarily include all the money you can earn plus all the things you do that you value more than working.
Etc.
Edit: I’m not disputing that other systems, including non money based systems are possible, it just seems way outside of the scope of the original contention.