What you say about working all your life, I also observe that here in Portugal. I know several people who are already at retirement age who refuse to stop working. I've asked them why they do this and the answer is unanimous, "If I don't work, I'll die of boredom." It's not for money reasons. I don't quite understand this way of being yet, maybe because I still have many years ahead of me before I reach that age. When I get there, maybe I'll understand.