TxNVS- Exactly everybody dies. So what difference does it make if they have money & a retirement or not?
From a practical standpoint, you'll be an incredible load to others if you have no money when you reach old age. Of course it would be nice if you died peacefully in your sleep while still healthy and fully functioning.
The problem is that you're going to get old and sick. You're going to need a lot of medical attention. Someone is going to have to eventually help you move around, go to the bathroom, feed you etc...all of this costs money. And if you believe that family will be more than willing to happily take care of all of your needs when you're ancient and sick when you yourself didn't care, that's taking a huge risk.