Not necessarily. If you are college-educated, can make high-five-figures / six-figures as an accountant, and have given up on the NHL dream, why schlep it for less of half that salary in the minors? Not to mention if you have a family and don't want to take long bus trips to away games all winter.

For marginal players, being semi-pro is as much of a lifestyle choice & opportunity cost calculation as a statement of ability.