[lkbm]

Do you consider life not worth living during the time of your life when you're working?

What do you think you get if you don't hold up your side of the bargain? It's not like the state of nature was an early retirement.

[HappMacDonald]

Ask that to any serf throughout history. You don't have to "prefer to be dead" in order to recognize that what is being asked of you fails to be worth what you get in return, and then be in a rational position to decide to default on what others frame you as being obligated to do.