Of course you should /intend/ to, when all else is equal. But once the cost to yourself of keeping that commitment skyrockets, it's just not worth it.

Think of it as a captain staying with his ship. All else being equal the captain should stay on his ship. But if the ship is damaged beyond repair and it's sinking, a human life is far more valuable than a ship. Bankruptcy is leaving the ship when things are too far gone to save.