My reasons might not be as common as other people's, however, since lack of a stable income has been a primary issue for me most of my life, I feel compelled to answer.

For me, I've been held back from having a stable job for much of my adult life for one simple reason: a lack of basic life skills because my family was too incompetent to teach me how to survive as an adult.

Simple things like managing money wisely, basic social skills, and even motivating myself to do housework have always been an outright struggle for me because I had nobody to teach me how to do things as a child.

If you have difficulties with something like basic social skills, for example, good luck getting any job when you are required to go to a job interview for any basic position, regardless if it is so easy that any 12 year old kid with a slightly above average IQ could do. Most entry level jobs fall under the category of "dumbed down" to me, yet they require a job interview and expect you to be Mr. or Mrs. perfect in order to get a job that any sane person wouldn't want to do for any reason other than to put food on the table.

Because of how messed up the system is, I don't blame anybody with a mental illness who doesn't want to work. Until we see a paradigm shift in the modern day workforce, I say F the system.