None of those really insulate you from disillusionment.

At least for me, and I am going to guess the majority of us, the comfort of a good paycheck outweighs the disillusionment, despite the result being a feeling that you're wasting 1/3 of your waking days on something you don't care about.

Every time I look at some flashy purchase that I'd like and can get with finance (e.g. new car), it always seems affordable, but the long term cost is that I have to rigidly stay in my income bracket or rise above it. There's no room for risk to fail.