"Never need to work again" != "Never work again"

There are dozens of reasons to want to have enough money that, no matter what happens, you know you won't end up homeless and destitute.

And unfortunately, in America today, that's a lot of money, due to our for-profit healthcare system making medical emergencies sometimes cost millions of dollars.

If I were handed enough money tomorrow that it would guarantee I and my family would never have to work another day in our lives, I don't think any of us would choose not to work. Instead, we'd be free to choose work that we want to do, rather than worrying about what will pay well enough to keep us fed and housed.