Yes, this is a valid choice. Live amongst your family and friends and everything you cherish, or become a survivalist and abandon all human connection.
You edited to add a lot of projection to your post. I am literally complaining about rent and bills in the city I grew up in and have been living in for 35 years. I have very few extravagances and am typing to you on a 5 year old phone with a small crack along the edge of the screen. You make it sound like I should sell one of my yachts and shut the fuck up. In truth I'm about to lose my contract job at the end of next month and am unsure how quickly I can find another.