Longy -- I didn't know many that were affluent but they did have brains to continue working. Yes - their friends/social circles were very important. Always will be JW 'freeloaders' (ha ha ❤️ your term - hadn't heard it in yrs.) who will expect handouts while they waste time and use pioneering as an excuse to be lazy.
Wonder if there are many disadvantaged, elderly, JWs, today - very sad. If so, they're surviving off of taxpayers and doubt it's much. Have heard of ones self-employed as housekeepers, handymen, and the economy has to be challenging for some these days.
Freeloading in a bad economy can't be that much fun.