I think it's a matter of comfort. Some people can live life flying by the seat of their pants. In my opinion, those types of people are comfortable with moving fast, breaking and fixing things, and trying new adventures. They can look back at their lives and tell their grand kids how they'd lived to the fullest. But, on the other side of the spectrum. We have people who feel comfortable living very conservative lives way beneath their means. I think it provides them a sense of security and empowerment. They may come from backgrounds where they never had much growing up that could've contributed to that behavior, maybe. I'm sure my denfintion of a wholeheartedly lived life would be different from yours and a lot of other people. I don't necessary think your definition or anyone else is wrong. I just know at the end of the day we come from different backgrounds. Our desires from life have been shaped by different lives lived in different times or places. If it's comfortable for you to do and you're still happy about life afterwards with no regrets, I see no problem calling it "living life to fullest".