They'd rather risk being penniless at 60, than risk getting hit by a bus tomorrow, with a half full loyalty card. YOLO.

I remember being this way back when I was a smoker. "That cigarette now might cost me 20 mins at the end of my life, or whatever the figure was; but lots could happen between now and then; and then I'll have missed out on the nicotine buzz right now, for nothing."