Wow,
That's a line of philosophy I'd never considered before. And it makes a lot of sense.
I'm from a generation of 'job-for-life' workers (civil service in my case), good salary and now decent pension, as secure as it can be.
And these ideas seem right - wherever I go on a journey, however adventurous I think it is, assuming I'm not killed in some incident or other, there's always the security of medical help courtesy of western insurance, and a flight back to a home with no mortgage if money runs out temporarily or there's some other reason to go home.

So in the ultimate sense, no journey for me is ever truly challenging. Unless I attempt something that on the face of it I'm not physically capable of. Maybe walking around the world. Or even walking around England.
But even then if it gets too much, I can nip straight back home!

A few acquaintances in similar positions (who can do what they like when they like how they like where they like etc etc) get together now and again, and we all say the same - this situation can actually be a bit scary. Look at the options proposed by Sterling Hayden: 'bankruptcy of purse' - well, the pension continues until.......
So we're left with 'bankruptcy of life'. And how do we get over that?

Maybe this situation itself is a bit of an adventure - an adventure in living with few boundaries.
I've met one or two people who have found their own partial solution. In spiritual retreat.
They covenant their pension to a spiritual organisation in return for a basic life consisting of 'a few pounds of food each day, heat and shelter, six feet to lie down in - and some form of working activity that will yield a sense of accomplishment'.
But I don't know if that is really the answer. Is it really a challenge to do such a thing?
Well, I wouldn't, so I suppose it must be a challenge.

On the other hand, Hayden could be suggesting that 'a firm foundation of financial unrest' is necessary to ensure that you'll never know what the next day, or few hours, will hold. Thus generating the 'challenge'.
Well, my experiences have long ago taught me that whatever path your life takes and whatever your situation, you can never ever know what will happen tomorrow.
I've 'dipped into' Buddhism quite a bit since 20 years or so, and often use a meditation that goes something like: "Death is utterly certain. The time of death utterly uncertain. What should I do?"
Looking for the answer to that is a voyage that has a lot of challenge about it. So that'll do for now.

My 15-minutes worth - it'll probably all change if I think about it again tomorrow.

Ooops, no, how could I have forgotten this?
Bradley Wiggins won the Tour de France yesterday. Wasn't his voyage around France truly an adventure-and-a-half and a challenge-and-a-half?
Not a voyage to the South Seas but a voyage nonetheless.
Including reading out the results of the raffle.....

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TTR250 - London to Cape Town