Hard to go when you have a mortage, and hard to retrain when NOBODY can promise you a job at the end of the training, save some medical specialties.
Well, if you are out of work, and there is none available where you live, the mortgage problem should take care of itself. As for nobody promising you a job? Well, there are no guarantees in a free society. Try one of the socialist countries if you need guarantees. Otherwise make your best analysis of the future job market and be versatile.