Yes, and the strategy can be fixed up to partially avoid that failure mode. E.g., leave your assets to an effective charity when you die, and go into altruist mode ten years before you expect to become unable to do productive work.
Yes, and the strategy can be fixed up to partially avoid that failure mode. E.g., leave your assets to an effective charity when you die, and go into altruist mode ten years before you expect to become unable to do productive work.