I’ve been pondering this one myself for awhile. I knew a decade ago that, barring massive financial change, I would never be able to afford to retire. So these are the options:
Work until I die
Work until I can’t (or nobody will hire me/pay a living wage), live off of savings until I can’t, then die
Stop working, live off of savings until I can’t, then die
The first two are the default and just kind of accepted by society as fair and just. The last one, strangely, gets all sorts of pushback, even though the only material difference is 20-30 years of mundane toil to make line go up.