Why is it any of your business or concern why other people do things? Lol are folks not allowed to decide which degree of retirement they're comfortable with? Or are you the retirement police, wandering around and determining what you think is acceptable?
You should probably just worry about your own game, and let people do what they want. None of the nice folks you named owe you any explanation whatsoever, and I'm surprised Balt even responded, but that's his choice.