> "
...there would seem to be no reason for a well-functioning person to choose to die..."
-Plain old ennui. Don't underestimate this.
-Depression from alienation because society and culture has evolved over centuries beyond their capacity to accept change or has evolved to a point that society no longer accepts them.
-Grief at the death of loved ones, either accidentally or through their own choice to check out.
-Grief at the estrangement of loved ones as their personality and beliefs change over time.
-Loss of one's accumulated wealth and privilege, whether by accident, incompetence, or malice of others
I'm sure that many more are possible.