Most people can't think beyond first-order effects.
They can't 'think ahead' to what might happen 2-3 steps later if they start a business, attempt a career change, or set up an investment plan.
So they don't make plans or think strategically because they CANNOT.
They trade their time for labor, because they don't need a strategy for that. They just do what they're told. There's comfort in that.
If you've read this far, the last sentence in the post below will hit that much harder.