I agree with your point on this to a point, but it can be a problem if you save too much money. I got into the realm of "Fuck You" money, partly through an inheritance. Got pissed off at my job, quit, and was picky with what I wanted to do...due to my age/ageism & pandemic. My goal was to take about 6 months for myself. It was less than 6 months that the pandemic started, so I'm coming up on three years now. I do work, but I'm only earning about 25% of my pre-pandemic salary.

Even the large sum I had won't last forever with current inflation...but for most of the pandemic, because there was nothing to do finances were actually pretty good.

If I'd had less money I'd have been more focused on getting a replacement job ASAP, again who could have anticipated the pandemic, but when you have an emergency fund of aprox. 4 years of expenses, your motivation is not the same, and in fact it may have actually killed my remaining career.