Because we may not have problems that involve physical benefits, or lack of money, etc. What if your girlfriend DIED, and she was the only thing you cared about, and the only person that you thought cared about you? It's not easy at all to search for a new soul mate, or just settle for anything after something like that.
---also, there IS something that hasn't been talked about yet... what if the person thinks that life is to good for them, and then they donate their money, their possesions, and then go into a cave, and kill themselves slowly, and very painfully, because they may be denying themselves a world they don't deserve, or that they think they deserve the worst kind of pain they think there is. Maybe they ARE worried about their loved ones, but this person may also feel that their family and friends deserve better. It is the rarest suicide ever completed. I don't know if it's still cowardly and dishonorable in THOSE cases, because THIS one is about the denial of pleasure, love, and sometimes your own humanity.....