What you discovered here is that, the plan to save money in the outback is robust and succeeds by default, while the plan to save money in the US is fragile and fails by default.

But as you noted above, there is a lot of resistance by default to exercising the Australia option. So the Australia plan fails by default too.

Once you've opened the door to considering those rare Americans who might decide to uproot and move to unfamiliar lands across the globe, you might also consider those rare Americans who can manage their money and don't consistently make irrational decisions. In the context of here, I wouldn't doubt they're the same people.