It is possible some of the blokes hanging on are 89ers. Some were not so lucky to get a job, after the "trainwreck" and basically went broke. In that era most of us had young families, and it was a hell of a struggle to survive, with mortgages, school fees etc so it was into the savings and super, and the nest egg turned into a bantams egg for many. You need a buck in the bank to retire without hardship these days, so rather than greed it might be more like they don't have a choice, just a thought.