There are all kinds of reasons, honestly. Some are good and some aren't.

I'm hesitant about working because I would need new job skills to get a decent job, I still have anxiety and PTSD to deal with, and I have physical and mental issues that rule out entry-level employment. Plus I'm in my 50s so I'm not even sure I would get a good-paying job even if I went back to college and got a degree.

I don't know. I'm in school (online) now, but the anxiety can get real bad especially around midterm and finals. I'm working on that.