You can't really opt out, just choose better suited minigames.

Generally when you don't (have to) care, you either have to back that up with some other accumulated reputation/value, or sacrifice some things. Like you can opt out of the job market game and being bossed around either by founding your own company, going self employed with clients (the hard part), or just sacrifice and downsize your life standard, become homeless or similar. But someone who needs a steady income in lieu of a big inheritance can't just opt out of caring.