> I wouldn't trade 4.5 years of my healthy adult life for anything

But you probably do, just not on purpose. It's smaller decisions that you don't realize involve trading 'healthy adult life' for money/convenience/pleasure/release. And of course, the work hours you put in are very directly trading healthy adult life for money.

Opportunity cost is not something that we, as humans, are particularly good at. It is of course possible that you are exceptional, in which case you can assume I'm speaking from my own fallible experience of existence.