There are hundreds of thousands of software engineers who, given FU amounts of money, would absolutely keep writing software and do it only for the love of it. The companies that hire us usually make us sign promises that we won't work on side projects. Even if there are legal workarounds to that, it's not quite so simple.
Even still, whatever high salaries they do give us just flow right back into the neighborhoods through insane property values and other cost-of-living expenses that negate any gains. So, it’s always just the few of us who can win that lottery and truly break out of the cycle.