Right or wrong I "give a cr*p" because the fear of 'living under a bridge eating cat food' is much stronger than
my fear of 'being the richest person in the old age home' for me, especially at age 58. There's certainly no guarantee the latter is the inevitable outcome as your post implies, it would be easy if that were the case. I will loosen up in time, ideally I'll die broke.
Again, only 1 in 22 males will go poof at 40. 1 in 13 at age 50, 1 in 7 at age 60, 1 in 3.5 at age 70 and 1 in 2 at 80 (IOW, the
average life span). I'm inclined to plan using the real odds, not the sad & unfortunate exceptions.
I am sure our views are all biased by our expectations re: life span. My parents are both 91 and still ticking, so my views are likely distorted to one extreme. Others with family history of short lifespans or known health problems may be understandably skewed to the other extreme. And some may be probability/statistics challenged and just fear being one of the exceptions despite the odds against it...