Chain life is pretty much 100% dependent on maintenance. If you don't take care of it like you said you don't, I have no doubts that it could be toast with that mileage.
A religiously and properly cared-for chain will last until it has stretched enough that the adjusters no long have room to keep the proper chain slack. At that point you could probably even just take a link out and keep using it but no one does that, since a chain is such an integral (safety-wise) part of the bike...
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