You are Naive! Not to mention when you get over 55 all many pilots need to do is be honest at medical time. Those that don't have a medical issue will create one. It was very lucrative for former Pan Am pilots to go disability rather then retire. probably 3 out of 4 went out disabled. Some guys have no trouble at all looking themselves in the mirror doing that kind of stuff. I really admired some of the Pan Am guys who retired and left a 100,000 a year on the table. It's called character and some had it.