There are a lot of frustrated, angry, depressed people out there who by Consumerist standards have fantastic 'quality of life'. They get paid a lot of money working for a 'reputable' company (doing a job they hate), they have a big, beautiful house (on loan from the bank, which they never enjoy because they're working 6 days a week to keep it), they eat expensive ready-prepared food (expensive because of the preparation, marketing and packaging, not the ingredients). They're working incredibly hard and investing a big portion of their life to accruing all the things we are told will make everything good. Still not happy? your [house/TV/Car/Boat] isn't big enough, work harder, get a bigger one.
The idea is that at some point in the future, when everything is paid off you can kick back and enjoy the fruits of your labour. It sounds like a great plan, and it's one that worked for previous generations. The problem is that these days all the processed, pre-packaged food and the stressful job you hate has probably deteriorated your health to the point that you'll die an early death from any number of health problems. If you haven't reached the 'end-zone' by this point the legacy you leave for your children or loved ones could be a burden.
When these frustrated people look (usually down their noses) at an independent person living a 'light' life, the immediate presumption is that they will be unhappy, because the superficial signs of 'quality of life' are absent. When the person turns out to be happier than them, sometimes magnitudes so, a common presumption at this point is that they must be, in some way cheating the system. They must be a rich waster or at least lucky, that's what you need to live happily right?*
The truth is the self-employed or self-sufficient people, be they live-aboards, homesteaders, crofters, etc have set themselves a much more sane and reasonable target; To live efficiently, to own what's theirs, to live well and to owe no other. That's real responsibility right there. There is no working/living divide, they are often one and the same.
*Of course there are these people, there are marinas full of them. There is more than one way to escape the rat race and I bear no ill feelings towards any fellow escapee. The wasteful ones even help to keep the dumpsters stocked with treasure.