Lots of Chelsea players who have spent years on loan.
For me they're a bit different to the players that seemingly fell out of love with the game towards the end of their careers and just took the money whilst riding out the last few years of their contract.
I mentioned Micah Richards earlier as he's a player that pretty much checked out at 24 but kept the money rolling in until he was 31 and eventually retired. He had a few injuries in that period but nothing career defining. He seemingly didn't have much appetite to play in the Championship after Villa were relegated but kept taking his £35k/week for those two seasons.
Somebody mentioned Phil Jones but he did have some brutal injuries. I'm sure he'd have wished it played out differently but he was at least fortunate enough to have four years of very good money whilst he went through that rehab.
I think most professional players do want to play and those that don't want to take a pay cut from an overly generous contract will generally find a loan move somewhere whilst their contracts wind down.