We all hope to achieve FI and retire early (FIRE), as retiring sounds like fun. That's until you start to become a sluggard soon after retiring.

Escape reality

Since you don't really have much things to expend your energy on and the environment you live in is such a dull place, why not live in the virtual world? You can have utopia. You can build a character that you wished you were but are not. You can build an empire and a reputation, unrivalled by "anons" in the space. It feels damn good. You give yourself a pat on the back virtually. So it does not really matter that the REAL environment which you live, eat and shit in remains a dull and somewhat unpleasing place. Maybe you think it is not worth your time to change it. As you derive more satisfaction from conquering utopia and chasing things that don't matter in reality....