Yup, 100%. Certainly there are cases where people end up with some sort of windfall and retire early, and then end up disengaged and apathetic. I think those sorts of people have been so brainwashed by societal expectations that they can't imagine how they'd fill their days without 40+ hours of someone else telling them what to do all the time. Or, worse, they've bought into the idea that employment is some sort of virtue, and even though they don't need to work, not working makes them feel bad about themselves.

I think if you were to look at the disengaged and apathetic unemployed among us, more times than not you'll find that their finances are tenuous at best, and more often in complete disarray. No money, in our society, means no prospects, and constant stress and anxiety around how you're going to simply survive, let alone do anything that feels "engaging".

The problem is no money and lack of a social safety net. Unemployment is related, but it's far from the whole story.