So yeah, the vast, vast majority of U.S. programmers are ultimately doing it out of reasons other than survival, whether they realize it or not.
But nothing prevents you from working 50 hrs/week for one decade and then retire early, move to Vietnam, and live from your savings.
The point stands, if you're an American programmer and think you have to work full-time to literally just survive you're wrong.
But that's not a small if.
So yeah, the vast, vast majority of U.S. programmers are ultimately doing it out of reasons other than survival, whether they realize it or not.