I doubt very much it’s a matter of lack of knowledge/education.
Rather various degrees of ‘fuck you, I got mine’ and ‘it won’t happen to me because I’m special’. Which, often, is true enough they can keep doing it until they die, at which point they ‘win’.
Sometimes though, either something happens and they ‘don’t have theirs’ anymore, or it becomes too clear it will happen to them - and some action occurs. Usually too late for it to be an easy or smooth change, of course.