They don’t think about endgame. The life they live is one without consequence; they have no intention to start thinking ahead, that’d make them uncomfortable.
Also, this endgame is already manifesting. Remember all those headlines about millennials killing “X” industry? Less wealth in the working class for luxuries that previous generations would have enjoyed at the same age. Before long it’ll be not enough wealth for certain luxuries outright.
Pens can often pick up paper fibers that gum up the works. In the case of ballpoints I can see this being a pretty permanent problem once it builds up enough to stop up the pen