I don't get it. Didn't you live way below your means so you can save up money for retirement? I've got enough money saved to get away with being jobless for about a decade.
Not everyone's had the luxury of saving for years and years. Some people just got into the industry (remember 'learn to code'? not to mention recent graduates), others had to work their way up through lower-wage roles (e.g. contracting) just to get to a place from where they could hope to save. Other people have family to take care of and can't just throw everything into their savings.
Is that in cash, so if the stock market drops 80%, it's still true?