Yes, but John Locke also lived in a time and place where the average life expectancy was <40, meaning you could work until you died. There was no inherent need

Yes, but John Locke also lived in a time and place where the average life expectancy was <40, meaning you could work until you died. There was no inherent need to accumulate wealth because most people could continue to labor right up until you got sick and died. You didn't have to save for retirement.