Blue Eagle
You couldn't be MORE wrong if you tried.
I work for a loco and it is precisely that fact that made me make up my mind to get out at 55. Money/work is not all one's life should be about.
My view is that after n number of years flying, being phoned out of bed at a crazy hour of a day, being sent taxiing around the country, being not fed and worked to unbelieveable "LEGAL" limits, one has a duty to look after themselves and have earnt the right to not work.
So your assumption that 55-ers must be working for a main line somewhere needs to go back on the drawing board mate.