I've put some effort into circumventing the zero-sum things, though I haven't thought about it this way before. I live on a boat that I've paid with cash, and thus own. My living expenses come down to harbour rent, electricity and heating in the winter. Over a year that's an average of $300 a month. I live in the smack middle of Copenhagen. On top of this comes living expenses, clothes, etc. But I'm not very materialistic so that's quite cheap too.
The surprising result (for me at least) is that I'm out of the status race, and people envy me for the freedom I've gained. By choice I haven't been working for more than a year, and I can afford it, and don't feel much pressure taking any old job. I'm looking for something interesting, but if it doesn't turn up I can live without. In the meantime I spend time doing all the sideprojects, art things, and hanging out a lot of other people are dreaming about while they slave away.
To quote Fight Club: "the things you own end up owning you"