Exactly ! Efficient breech - it’s a business decision, not a moral judgment on you.
None of us have control over future circumstances. It’s why you sign a contract, and why there’s contract law to enforce remedies.
It’s a business decision, and your household is a business.
My God! Does nobody have any morals anymore?
You agreed to pay the money, didn't you?
Would you sell yourself?
How much is your word worth?