Fokkerwokker,
I was told at age 19 by a retired Swiss Air captain, "Choose your airline wisely son".
I took his advice.
It is complete and utter lunacy to expect somebody in their 30's or 40's waiting for a captain's slot to play nursing home attendant for captains who have lost their capability to hear, remember or even stay awake on the flight deck.
Its also not their job to pay for five wive's homes or illegitimate children, when someone tried to recreate some time of free love from the 1970's on an overnight.
For those of you that have got to age 63 and not sorted this out, there's some sad news that awaits you; you never will!
Go and enjoy your retirement and pass the baton.