Seems that the primary problem as even you state it is the pain of dying, not the manner of death. I don't believe you have spent much time with the dying; for if you had you would likely have found that most opt to live as long as they can if they are not in pain. Most people will hang on to the water glass even if it's almost empty. There is always that last drink.

Better pain treatment, better end of life care, better education of stipid fucking doctors on the fact that everyone dies and it is just not the losers who go, would all help many people die in peace and dignity. Health care that actually accepted that dying is not some kind of insurance scam would also help.

If a few want to opt out earlier, that's cool. Fact is most don't and never will. So your rant is aimed at the 5-10 percent who would and you miss the problems of the 90-95 percent of the population who would never take early retirement plan seriously.

The fear is yours. You are so afraid of death and dying that you are already screaming for a back door. You want it, take it. But in the end the odds are heavy that if you can lay there relatively free from pain, you will do so, and be very anxious to do so. There is always that one more visit from a loved one, that one more chance to see your grand child. That's life. And like it or not we humans cling to it.