Life expectancy does not work the way @Yan imagines it does, but rather the way @downtube42 has quite clearly explained it does; retired social sci person here.

An American man who is 65 can expect to live another 17.48 years, an American women of the same age can expect to live another 20.12 years; for US 75 year olds, the life expectancy numbers are 10.92 years for men, and 12.68 years for women, per the US Social Security Administration, who should know, since they send all us old folks money every month:

https://www.ssa.gov/oact/STATS/table4c6.html

Boomers are not in fact all on the verge of death, but probably are mostly cutting back on touring as we age.

I would invite those arguing for the "go woke, go broke" theory (or the "they missed gravel" theory, or any other theory rooted in anything ACA has done, or not done) to name one (1) dues-based American membership organization that has thrived or grown during the last 10, 20, 30, or 40 years. Not just cycling-oriented organizations, literally any organization that you have to pay to be a member of. Just one will do. Especially if they publish a "magazine"- you know, those things you can't buy anywhere near where you live any more.

[Cue crickets]