W H Y N O T B O T H
earn millions in those 10 years then do expensive and fun things
Some people also find pleasure in working and feeling useful to the community. The asceticism you describe could sometimes be called egoism. Without people working all their life, you would struggle to have food, water, house in good condition and a vehicule filled with gasoline. Without those people, you wont benefit from any state intervention, be it security, health, education.