Yes, they are financially independant to remain where they are, but they are not financially independent to do do great things, e.g. they couldn't start a compa

Yes, they are financially independant to remain where they are, but they are not financially independent to do do great things, e.g. they couldn't start a company, buy a new house, send their kids to college. (except your friend became a millionaire) This financial independence normally is temporary and normally doesn't last long. Humans crave for change, living on a pottery farm is really nice for the first 1-2 years, however, for the rest of your life? Humans are not built for that.