Sure, the voting thing is a problem, esp when mining finally stops. All the miners leave and the decision pool is alot smaller. Someone could position themselves to poison the well.
But then everyone would just fork and go on with their lives. There's a lot of time to solve this problem too.
I'm in my 30's and could retire if I wanted. I drive 10 year old cars, fix them myself, and cook my own food. I wear cheap, durable clothes. I even cut my own hair.
Every rich person I know is good at not spending money.