Ah. Be careful where you are stepping.

Yes, its one choice. But personally, I find that to be rather too smug / elitist and smacks of "Oh, its HIS/HER choice - there's nothing DEFICIENT or FLAWED with the current setup" rather than recognizing that the market/world is inherently complex and difficult to navigate.

Arguing that it's one choice is just sophistry. Kinda like those just world people I meet who argue that the poor deserve their station because its their choice.