> When it’s bad, it’s hard to do because those things hurt.
Sometimes you know it hurts, but you need to keep going anyway. OP replied to me with the metaphor of physical pain, which works great in this case. If my trapped nerve hurts, I _know_ the root cause of it by now, I don't need it to keep stabbing me in the back for 2-3 weeks while I work on fixing the root cause.
Similarly for mental health, exercise (in particular) provides you with that capacity to handle things. If a person is under serious stress financially, they _know_ they're struggling. If exercising 2-3 times a week can help them keep that stress under control so it doesn't destroy a relationship in the process, that definitely seems like a worthwhile use of time (rather than "feeling" the stress).