Well, I've also been homeless... before my ME/CFS was bad so it was much easier to deal with. Anyway, that's irrelevant.

You can recognize that such people will make such decisions, and I agree that they will, but where I don't agree is that making such decisions is in anyway morally ok. If Jane chooses to keep her job where she is knowingly cutting corners on making lifesaving widgets I will judge her harshly for that regardless of her personal circumstances. If Janes work is unimportant then I couldn't care less.