If you had the money to retire at 30, your savings would be invested and on an average year your earnings would cover your expenses. You would have health insurance, so no worries there. The only catch is that you would have to keep your expenses at 65% of what you spend right now. Would you take it, or would you rather work a few more years for a better lifestyle and financial security?
You can do a lot on a frugal budget
What does that mean? You said 65% of current earnings in the OP. Most people couldn’t pursue any significant hobbies or interests on that level of income.
65% of your spendings, addmittedly this question is mostly relevant to people that spend at least a somewhat above the median, where they can reduce their lifestyle by 35% and still live, just frugally.
I’m not sure what you mean by significant hobbies, but personally with the exception of one, all of my hobbies are cheap/free.
Sure, fine, whatever. You do you.
I think there are very few people who could spend 40 years painting warhammer figurines and call that a rewarding satisfying life.
Why are you so skeptical? I could spend 40 years doing:
There is so much more to life than work and paid services.
And yes, this is a privileged position, but that doesn’t make it wrong.