You know, I'm trying really hard not to flame you, I really am. It comes off as extremely douchey to tell people whose problems are much harder than yours -- and if you have time to comment on HN, this is true -- that they can always say no.
It's extremely presumptuous, to say the least, to enumerate someone else's life options and then write off their current difficulties as a matter of choice. Why don't these old people just go to college so they can get a professional job? Completely incompatible with the idea of being empathetic, which implies understanding of someone's situation on an emotional level, not just a rational level.