It's a completely wild thought to most people. It's one of the reasons why so many people end up struggling with it. "That won't happen to me, no need to make a plan for how to avoid it or make a plan for what to do if it happens, because it's not going to happen."

Obviously not everyone has problems filling their time. But for most people it's difficult to imagine what it'd take to fill years worth of free time, when they've never experienced anything close to having to do that.