Seriously mate. The system has been getting milked for decades. I know a few people myself, in their fifties who have virtually never worked.
They do not do badly either in some cases. Two of the few I know have mobility cars, though there is no disability to be seen. And a foreign holiday is by no means beyond them.
Why work? Why push yourself? Why get extra education and qualifications, at night,after work? Why work long hours, or take on big responsibility, or work away, or abroad?
I've done all those things and I'm better off for it. But you can often have a reasonable life without bothering.
Until someone says that in public, it will continue to get worse