The USA is different. It s a dog eat dog world here in the states. By the time you start to hit 60 and yo aren't feeling a bit burned out then you haven't really lived.
Burn out comes from wrong choices of personal responsibility or lifestyle - personal care wise (taking care of spiritual, mind and body) - lifestyle wise (money spending, bodily abuse) or such.
Look at Trump for one example - beyond retirement age and still going strong in much work/business/family responsibilities, seems to be healthy and having YUGE (LOL) fun! - no burn out.
Most people (me included) misused our younger years - calling it “really living” or “being an adult”. Beauty is we can start at any age, make some good/healthy choices personally, lifestyle, financially and such and reshape the rest of our life rather quickly.
Retirement idea - is a scheme - i’d almost say its like other current democrat plantation type schemes - keep people dependent and feeling lack, worry/fear.