I can’t speak on your experience, but I quit my job about 4.5 years ago. My husband and I agreed, because I reached the point where I had to allow 20 minutes for my commute: 5 minutes to drive, 5 minutes to cry in the parking lot, and 5 minutes to fix my mascara before arrival. (And I am just obsessive enough to think that I owe my colleagues the courtesy of a few minutes for debriefing without making them wait for me.)
We have had some lean times since. My plan for re-entry didn’t account for a wreck that has kept my fellow on the sidelines for several years. We have swallowed our pride and asked for help. And I don’t regret putting in my notice. I worked for an unethical person. She broke tax laws and fire safety codes to save money. She hired a violent felon to perform daily maintenance, because she was too cheap to pay for a background check. (And that fellow followed me home after I pointed out that an honorably discharged service member probably wouldn’t present an ID card from the state prison for his W4 paperwork. He got to the garage before he spotted the patrol car in the back yard. I don’t know his intentions, but at least he was smart enough to stop and show his hands when I pumped the 12 gauge. He remains in prison, because he violated his parole: he had a pocketful of Crack and a stolen .32 in his waistband when he was arrested in my driveway.)
Before I quit that job, one of my colleagues in the housekeeping department had an automotive breakdown. The boss had a nasty habit of scheduling 10 housekeepers, and sending 6-7 home after they’d driven or walked to work on a slow day. My co-worker’s transmission gave up. She didn’t have extra for a tow. I called my husband, and we got her home. She had driven 10 miles to be turned around before she clocked in. And when I pulled into the driveway, her husband was raising hell because a strange man (my husband) towed her home. (It was 10 am. He and his prison tats were enjoying some cheap beer already. And the babies hadn’t had a clean diaper.) I tried to explain the situation. He was having none of it - she disappeared every day, but only got paid for every other. So obviously she was having an affair at 7 am.
He is in jail now. He claims that the gun just went off. The neighbors heard his threats, and she is no longer able to state her side of the story.
TL&DR: There are situations where the paycheck doesn’t even come close to the work and the risks. And, regardless of one’s work ethic? It’s okay to opt out.