Without direction or a pull in life people tend to self-destruct. Even the wealthy are susceptible to this. Hollywood nepotites are a nice example: they live off their parents's wealth or easily acquired money and self-destroy themselves. They are not engaging in higher pursuits but rather basic degeneration. Not all of course; some do good, productive things.

It's easy to point to high profile nepotites but I've known plenty of folks from all classes who have self-destructed. It's hardly limited to those with lives of leisure.

Many people will I think but not most. Also, since we’re talking about fantastical things, you could have lots of things to mitigate this. If someone has a pattern of self-destructive behavior, you could essentially have two robots follow them around everywhere as a more effective ankle bracelet. And they’re specifically tasked with keeping you from trouble and stopping you from ruining your life. Maybe that can replace prisons.