Sure, but there isn't much difference between "I have to stay at my job or end up homeless" or "I have to stay at my job or else I can't afford my mortgage and

Sure, but there isn't much difference between "I have to stay at my job or end up homeless" or "I have to stay at my job or else I can't afford my mortgage and will have to sell my cars and my kids can't go to summer camp". Clearly the 2nd one is better, but it's still a very serious decision that has consequences most people would avoid.