Early retirement must be based on strong reasons. Those who decide to retire early have various reasons, some are getting bored with the rules at work, there are those who want to manage their own business and there are also those who are lazy about doing the same activities every day. For those who want to manage their own business or want to form a new life to be more independent, early retirement is a good decision.
Many people retire early but don't have a clear reason why they made that decision, ultimately their lives become chaotic due to not having a regular source of income every month.
I just want to add to what you said: the other ones who want to retire at their early age are because they have to work, they are tired, or they don't want to reach 60 years old with their employer because they are old nuns and they will never enjoy it, even though they say they have a huge retirement fee.
So the other retirement is cautious and is really wondering if they will allocate their money when they are in their hands. They do not want to suffer just because in the long run they have suffered, and any of us do not want that, of course.