Our expert says:
The main risk of losing everything is by following your thoughts of suicide. ALL financial problems can, eventually, be sorted out, and debt counselling and other sources of help are available.
If "something happens to you" there will be no posible benefit to your family, and much real harm. Insurance almost always suspects suicide in such cases ( even if the death was genuinely accidental ) and does NOT pay out in the event of suicide - how could they afford to do so ?
The family will NOT be better off without you, and will not be able to live a good life without you - if you allow yourself to come to harm, they will lose the insurance, inherit all the financial problems you face without your help to sort these out, and without the joy of your presence thereater. That will be far, far more "disappointing" to them than to hear from you of the problems and to be able to join you in searching for solutions.
this is not the only way out. Indeed, its really not a way out at all. Discuss this with them, with your wider family, with debt counsellors, with your bank, with friends, and with professional counsellors. There are always better ways to deal with such situations.
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