The "lot of money" is biologically unnecessary unless you are in third world, the healthier living is splitting hairs as far as reproduction is concerned. The 'there is a room for improving social skills as an adult' issue is circa when-we-stopped-having-big-families (and stopped getting experience as children), i.e. very novel. Our current notion of 'social skills' revolves around being able to smoothly talk with strangers, which was entirely unnecessary (living in small tribes) until very very recently. What was important in small tribes, is being nice and avoiding escalating confrontations, perhaps by not talking at all when you're not sure if it makes the other person mad. Not banging other people's wives, either. Picture evolving as a member of crew of spaceship (tribe in frozen land), with crew of 20 where anyone initiates first contacts as a little child, and where you have to stick together for generations. Here you go, shyness.

The lack of any effort to reproduce is more interesting though. We just lack that particular goal. Sex, a bit of a goal, reproduction, not at all.