The main thing preventing that for a good part of the population is that it's quite difficult to earn enough for it to last for the rest of your life. Conservatively you need about 30-40x your yearly spending in the bank to never have to work again. Say you need about 15000€ a year for rent, food, entertainment and other expenses. You'd have to save at least half a million euros to afford that indefinitely. Most people never manage to earn that much excess income and those who do are likely in a demographic that enjoys what they do and would continue working.