They may have retired. Past a certain point you are in it because you love it, and if you no longer love it, there are better things in life than gilding the lily of a nest egg.
A lot of people in my demographic have amassed roughly "fuck most people" money rather than "fuck everyone" money. Beyond a certain point, it's easier to coast on your nest egg and do other things like family, volunteering, or living a slower life rather than relent to reactive, rudderless corporate bullshit like RTO.
