I enjoy playing music for a living. It's the most fun I can have with my clothes on.
The yacht clubs, country clubs, retirement communities here are the highest paying one-nighter gigs. I can make in 2 nights, 3 hours of gigging each, what I would make in a hotel bar or night club for 4 to 6 nights of 5 hour gigs.
There is always an audience, because unlike a bar gig, everyone has been invited. There are no Thursday nights where a couple of salesmen are in the bar staring at the TV.
But I understand and agree with part of your viewpoint.
I wouldn't want to live in an old person community, nor would I go to many of the gigs I play for if I wasn't working. It's a lot more fun to perform.
I'll go out sometimes to hear my friends who are also my competition, and to tell the truth, I'd rather be on stage.
I could retire now, but what would I do? I define myself as a musician, and playing music is the most fun I can have with my clothes on.
I always said that I want to die on the bandstand. --- come to think about it, I've already died on a number of them

What works for one isn't necessarily best for another.