"Idle hands are the devil's workshop."

A lot of big cities have youth programs out of fear kids will otherwise join gangs. As an adult if you have a big mortgage payment or rent is high you must hustle. Some of this rat race is optional. Advertisers tell us making yet another purchase will solve your problem(s) or insecurity. Ironically if everyone lived modestly that would trigger a recession.

It's not just thought, but also effort. If you have downtime you have time to organize and advocate for yourself. If you have savings you can withhold labour. The ideal conditions for capitalists are that every worker has the bare minimum to be alive and if they miss work they don't receive that minimum.