I'm sure this will be an unpopular position, but I question this. If an individual reaches a point where the pain and misery they are experiences outweighs the joy, or even the hope for joy, in their life then maybe the rationally correct thing to do is to take your own life.

I mean, if you reach a point where you can look forward and reasonably say "I'm never going to achieve my dreams and accomplish what I want to accomplish, and being here hurts" then why is one obligated to keep suffering until chance claims you?

I'm not saying this is a decision one should make lightly, and obviously one of the negatives is that it's an irreversible decision. But I can see circumstances where it is a reasonable choice.