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"1. I couldn't really get by on less"
It is called a budget, son.
Plenty of people make less than you and work harder than you. Look in every major city and you will find plenty of people that fit this category, both in business and labor.
"That is totally not worth it. Future civilizations would look back on this decision as profoundly stupid."
Elitism plus demanding that you don't have to budget. Seems that you need to work more and focus less on how "awesome" you are.
You make good contributions...but let's not get carried away.
If you really cared about future risk you would be working away at the problem even with a smaller salary. Focus on your work.
Fantastic topic choices. "How An Algorithm..." has proven to be a breakthrough post for many of my friends.