[lmm]

If you're a typical HN reader you could probably retire to somewhere with a low cost of living tomorrow and live off your savings, or at worst you'd have to spend a few years saving up first. But you don't.

Long-term unemployed people whose cost of living is subsidized (in the US due to various legal quirks this is mainly disability) are generally substantially less happy than employed people. I don't have studies to hand but would you dispute that result?