Now who's talking from a privileged perspective… Searching for a job takes time, and quitting is risky. Sure, most of the time it will be fine. But sometimes you just end up searching for a job (any job) for more than a few weeks, and next thing you know your landlord is kicking you out.

When I say "no savings", I do mean zero. Nothing. Like "I can't buy food this week" nothing.

Then there's social pressure. Why quit your job in these times of mass unemployment? That would be crazy. Even prospective employers will not see that with a good eye: in white collar jobs, you can always say "it was time for me to go", or high-status non-explanations like that. But picture a cashier looking for a cashier job. The employer will want a real reason, and you'd better forge one that doesn't look too bad. (Disparaging the previous employer looks bad, mentioning material constraints often looks bad… following your spouse might not.)