> So you've pretty much given up on housing. What's the point in working hard? They don't want to work some last x% because they're happy with their current co

> So you've pretty much given up on housing. What's the point in working hard? They don't want to work some last x% because they're happy with their current condition. The ants work the last x% so that when they retire they can continue to live in the style to which they've become accustomed. The young folks are being offered money. They don't think it's meaningful because it doesn't enable them to afford some item now. So they can either decline the money or increase their estimate of its utility by taking their future into account.