Well, this is only my opinion, and borrowed heavily from Spiritism (which, for me, is where I tend to go to for reincarnation-based beliefs a lot), so I'd never suggest this as advice or guidance. If you're curious beyond my opinion, this is where I'd look for further ideas.
We have to change our perspective a bit on what the earthly/material life means, when you consider reincarnation. There is no time limit to our development, but it is a constant driving force behind each successive incarnation. Apparently, our spirit has the choice as to which life they are to incarnate (though, Spiritism also says that some incarnations are imposed by God, and I couldn't even say why this would happen if the spirits consider it also a mystery sometimes). So, consider each of our incarnations as elective courses for our development.
Now, why would someone choose the kind of life you describe? I think one way to consider it is what kind of lessons might be learned, and sometimes it is because of something missed or lacking in a past life or more. Was vanity a problem? Humility? Self-sufficiency or, conversely, learning to depend on others? Spiritism also points out that, while you may be concerned with your own development, your life/incarnation might also be a part of another's development. (The spirits talk about this when asked about the use in stillborn or abortion or suicide, and other early/unnatural deaths.)
Thrall to the Wire of Self-Excited Circuit.