Not even just income, health insurance and future job prospects as well 🙃
I have the money to quit and wander the world for a year or two, but I would be abandoning my health insurance and it would be a huge black mark on my resume assuming I didn’t concoct some lie to cover it.
If you work a 9-5 in America like I do, you are tied to your labor in much the same way serfs were, you are just better compensated and can switch masters if you find someone to take you on