Consider this: you can become a multimillionaire within a year of the step option, and have even less stress as you become able to live off investments for the rest of your life. You can even run for charity to have a more fulfilling life if you so choose, it stops being a constant chase for money.
Winning Capitalism is all about investing enough to take care of your needs indefinitely. With the step option, you win, and retain the ability to gain more money if you wish. With breath, you deprive yourself of that option.