Without direction or a pull in life people tend to self-destruct. Even the wealthy are susceptible to this. Hollywood nepotites are a nice example: they live off their parents's wealth or easily acquired money and self-destroy themselves. They are not engaging in higher pursuits but rather basic degeneration. Not all of course; some do good, productive things.
Many people will I think but not most. Also, since we’re talking about fantastical things, you could have lots of things to mitigate this. If someone has a pattern of self-destructive behavior, you could essentially have two robots follow them around everywhere as a more effective ankle bracelet. And they’re specifically tasked with keeping you from trouble and stopping you from ruining your life. Maybe that can replace prisons.
It's easy to point to high profile nepotites but I've known plenty of folks from all classes who have self-destructed. It's hardly limited to those with lives of leisure.