Even the people who want to work their ass off young and retire at 40 are out of their minds. How many fun things are more enjoyable at 45 than 25? How many things (e.g., anything active) are off the table for a lot of people by 45? What if the economy does an oopsie again, or you get sick and a health insurance company takes all your money, and now you're 60, haven't worked in ~20 years, and you're running out of money?

It's ridiculous even assuming no major changes will be forced upon us by climate change.