Where it ends is no more fiat. Save in bitcoin and spend it when you need/want something.

I think op is overthinking it. He has enough bitcoin and is retired. What is the problem? The end goal is not to end up with the most possible bitcoin and hodl forever. It’s to live a balanced, fulfilled live. Bitcoin is a great tool towards that end but not the end itself. There is a happy medium where you save up enough bitcoin to retire and/or work on only what you choose to and spend your savings on things you need to live your life as you choose.