Just live frugally, dump your excess into index funds, and you'll likely be a millionaire in a decade. Yeah it's Saudi Arabia, but the price is right. And from that point one never needs to work another day in their life if they don't want, since typical returns on a million $ are more than enough to pay for cost of living in like 90% of the world.
Yet approximately 0% of people will take this advice. Why? Because the overwhelming majority of people generally prefer to seek the easiest, most popular, lowest friction choices. Options like I'm mentioning here only exist precisely because most people won't take them. But it's a sort of paradox in that there's absolutely nothing stopping them from doing so.