What's wrong with the latter? Frank's done his time, and not just incredible works, but works that changed the entire landscape of comics, ripples still spilling out today from the rocks he dropped in the water back in the '80s. If he wants to spend the rest of his life "fucking around" I don't see anything wrong with that.
Don't buy it fi you don't like what he's doing, but don't pretend he has any responsibility to live up to any expectations an audience wants to place on him and his work.