When you look around or start talking to older folks you discover that retirement is often a traumatic transition, even when entered voluntarily. The loss of structure, frequent social interaction, and a sense of meaning can be really difficult. There are a lot of people who retire and die not long after because they sort of stop thriving in the absence of those things. It's particularly bad for men who relied on their career both for their self worth and their social interaction.
Because they are old. Retirement age is close to the death, especially for men. https://www.cdc.gov/nchs/fastats/life-expectancy.htm
That's mainly because people with poor health are forced into early retirement.
The Day I Realized Work Was Stealing My Life https://www.youtube.com/watch?v=7yw6tBaT0X4
It's almost like staking all of this to a single gameable resource is an issue.