Society is defined by what we owe one another in pursuit of civil interactions with one another.
If the only contract society offers me is "work your hands to the bone and then be discarded once you can't work anymore" then I have no incentive to keep up my side of the contract and perform labor or observe property laws in the first place. And once everyone is trying to cheat and steal from one another then you no longer have a society anymore.
What do you think you get if you don't hold up your side of the bargain? It's not like the state of nature was an early retirement.
Based.
Sure such thoughts are not probably concerning for the majority of people, but it only takes a small percentage of people losing faith in society combined with a bit of public apathy about people living criminal lives or doing criminal things for them to bring the entire thing to its knees.
So, I completely agree with most things you say. The core here is: Just don't work 40+ years for a retirement.
Take sabbaticals along the way.
Change your career when it is stale.
The counter for this: Don't buy into the hype. You cannot afford sabbaticals if you need two new cars every 4 years and a house that stretches your finances.