Too bad he wasn’t pushed to the point of making payments.
I have no idea how this guy got into his predicament, but I can say from experience that it is possible to work hard, sacrifice like crazy, do everything right and still lose everything. What happens in the emptiness after that is an ultimate test of your fiber. This guy failed. He may think that he was just too danged old and tired to start over again. And he might be right. It doesn't make what he did right, but I can't help but feel for him a bit.