It means always working, regardless of circumstance.

This might not seem like a problem while you're young and healthy, but as you age and enter the cohort of those who would like to retire, you start to be on the receiving end of discrimination, health issues and less work opportunities.

Hence why in many countries, there are mandatory retirement investments (in Australia we call it Superannuation). This catapults many workers (and would-be retirees) into the investor class. But, this is not a guarantee for all, and requires forethought.

This doesn’t check out. Most people working for someone else will retire with funds to cover their living. A large number of people can retire decades early because of how much money they earn. In the US, even if you’re not saving after tax money for retirement, you would have social security (compulsory), 401(k)s, and pensions all of which are investment vehicles under the hood.

Most people in the US have a 401(k) which makes them owners.

I think we agree in parts - my point being in the Gig economy? Contracting? You are not guaranteed retirement. If you work hard to become the best Uber driver, you are not simultaneously campaigning to be rewarded a 401(k). It is important to know your class, and where you need to be in the future in order to have a retirement.