There are many pilots out there who would much rather have worked for the decent airlines and play the long game, but guess what - we don't get paid for wishes or morals. Everyone has to take the best job they can find, and that depends an awful lot on location and luck. Sitting unemployed for years in the hope of a BA job isn't going to achieve much, is it? There are also some who prioritise their kids over themselves. You call that bad planning, some may consider it duty or decency. I, and some others, are willing to work harder and longer to give our kids the best start in life, but you seem to want us to suffer more by being homeless at 65. Why is that?
The simple thing is that blanket insults, criticising everyone that may have a reason to need to work longer as being selfish and foolish is in itself selfish and foolish. Don't criticise what you don't understand. I'd love to retire at 55, but those wishes won't pay a mortgage or put food on a table.
We should all have the choice of retiring at the contracted pension age or when no longer physically able to work. What is wrong with wanting us to have control over our lives?