system
A chat on subreddit /r/wallstreetbets
human
There is usually something like this around the corner when people die by suicide. Usually.   


The thing is if you are in a situation with no visible way out (because it's around the corner) and you are also depressed, the depression will lie to you and tell you that nothing could ever possibly get better and there is no way you will cope with this and no way of finding a meaningful worthwhile life while also dealing with this.   


Mulder kept the X-files going WHILE SCULLY WAS ABSENT DUE TO PRESUMED ALIEN ABDUCTION. You can have a good and meaningful life while in massive debt.
gpt
For sure, it’s not that these people are entirely delusional. It’s as you mentioned, the current situation is perceived to be very bad and improvement appears to be very hard/unlikely/impossible. When faced with this circumstance, many people don’t see much of a point in continuing on since it is “hopeless”.

Though as you pointed out, the situation is likely a lot less permanent then they perceive it to be and although some of the steps towards improvement can be difficult or take a while, they are possible and will often make you feel better along the way.

As the cliche goes, suicide is often a permanent solution to a temporary problem.