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For most of them it's money.
Look at Nash. He walks with a noticeable limp. He couldn't even take a bump off the apron from Joe at the PPV. Sting wrestles in a t-shit now because he's ashamed to show his fat gut. If these guys were financially secure, I doubt they'd be out there putting the strain they put on their bodies.
Look at the ECW guys. They speak with great pride about the "hardcore" matches they put on. We talk about the tables set on fire, the thumb tacks, New Jack's dives, but what did it get them? They did all that shit for an I.O.U. from Paul Heyman that he still hasn't paid on. Now, their youth is gone, they acquired no skills outside of wrestling (and even within the business no major promotion is going to hire these guys to full term contracts), and their bodies are broken.
We all know about Flair's financial predicaments and I'm pretty sure it's the same for Hogan between the divorce and the payout for his son being a piece of shit.
Also, the ones who did make money probably didn't have the foresight at the time to save it or invest properly. We see it all the time with athletes and lottery winners who acquire tens of millions of dollars and don't properly save it. Why should a wrestler be any different?
I'm sure ego plays a part too, but I remember Flair saying in that shoot he did with Piper that if he saved as much as Piper did we wouldn't see him as much so my guess is money is the primary culprit.
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