In our virtual future, why would anyone work?

A flash of the future, over the holidays, that felt like a flash of the past. It happened on Christmas Day, just after lunch, when my father-in-law gave me a virtual reality headset. It looks like a pair of ski goggles. They used to be fearsomely expensive, but recently some bright spark came up with the idea of replacing the screen and the computing power with a slot into which you pop your phone.