It all depends on personality,culture and environment. Some people are able to fight on regardless of their plight - I'm thinking of the many refugees who end up fleeing their country for one reason or another - they're able to carry on because of their families, others around them, from the kindness of strangers.
Others succumb through pride and embarrassment. If they lose money gambling or through unfortunate business they may decide enough is enough and do silly things.
Everyday life for the majority of ordinary folk is about making ends meet, finding food for the table, wanting to save for the future. Most want to fight on, struggle for a better life.
After the second world war millions here in the UK had nothing - the country was virtually bankrupt - apart from the privileged few - so struggling on was the only alternative. My parents knew terrible hardship but carried on with their love of family and their hopes for a brighter future.I retain their optimism and trust in the future, I know that hard work and sincerity help lay the foundation for future family.
Struggle is sometimes necessary because that can create character and depth.
What did Beckett the playwright say? Fail, fail again, fail better. In other words, learn from mistakes if possible, work hard, look for strategies, create opportunity, fight.