One downside of being a lizard: there’s always the risk that while you’re enjoying your nice nap in the sun, a bird of prey is barreling down on you with the speed and precision of a fighter jet and you won’t even know it until you’ve been violently jerked awake. Just in time to realize that you are completely fucked.
So, you know, it’s a tradeoff. No student loans, or really any responsibilities, but also dramatically higher risk of sudden violent death.