It is impossible to make blanket judgments from the information we get on these forums since it is but a sliver of the entire picture. If someone is financially well off, has no history of being flakey or crazy, and is generally level headed, full timing can be a great decision. If someone has put their last dollar into a rig, has a history of starting projects and never finishing and has been making bad decisions all their lives, there is no reason to believe full timing is going to be the one decision that works. We never know the full background.