I've never understood this argument. "I couldn't not work because I'd be too bored/I need to feel useful/I need mental/physical enrichment, etc." You can be unemployed and still do things. You don't have to sit on your couch all day staring at the wall. You can take up hobbies, volunteer, travel, all without having to worry about a work schedule. I would retire in an instant if I had the opportunity.