But there is something valuable going on here for everyone else. Most eventually realize they are not in the 3% bucket one way or the other, so then it becomes whether they want to invest in themselves or not. (Good) Phd programs are rare opportunities to work with the best from around the world and not worry about $ as much as results and other impact, and with like-minded people. For example, in my cohort, as folks switched for entertaining the idea of continuing in academics, they used the environment to do other equally hard things, such as startups with their peers. In both cases, only as limited as your work ethic. Others got cushy jobs where they could work hard till 5p but then clock out, but it was rarer, and even folks with families generally pulled the long hours: this was their time to grow.
For people happy to clock out and try to convince others to do the same, that devalues the experience for others who ARE there to work as hard & creatively as they can to do amazing things with like-minded individuals. A big part of picking a PhD program is the students you will be exploring with. Masters programs are great for learning technical skills and doing semi-structured technical projects, and a 9-5 view there makes sense. The PhD, which is researching new things, often starts after that, and a different environment. Think an artist colony where someone asks everyone to only do sports & gambling as soon as the sun sets.