Clearly you need to get out and kayak more, Flo, it's how I constantly get mistaken for a foetus 
No, she definitely made a gamble at some point and it didn't end in her favour and that's on her. Perhaps it was ego, but expecting people to be without flaws is equally foolish. I'm just not a fan of the narrative that seems to be happening elsewhere that this is her legacy now, undoing any good previously by not stepping aside at the right moment because it disadvantages their preferred party. It shows a lack of faith in the law to stand on its own which undermines democracy (and the latter feels precarious enough right now in many places). Those same people would be anointing her a saint had she held on for a little longer into a Biden presidency.
I do think there's a social economic aspect to it, my parents' generation are all at retirement age now and none of them have stopped working. Yes, left their 'job jobs' but continued to work in some capacity either as overpriced consultants, board members, writing, or volunteers, easily putting in a 4 or 5 day workweek. It seems very doable within a certain class, especially for those whose job was their identity and/or social circle. Ones with titled jobs seem especially reluctant to give it up. It's what makes the whole retirement age conversation so difficult as the ones creating policy belong to that class.
I'll probably get labelled a trump bot too but I'm no fan of Kamala Harris, I can't take a woman seriously who during the primaries claimed to believe all Biden's accusers and now happily sits by his side as VP nominee. I think Biden has already said that he'd only be a one term president, although there's rumours that KH only agreed to be his running mate if he tapped out after two years.