The trouble is, in a couple of years, they've got a million more reasons to kill themselves. I can hear Mr. Potter now: >"Why, George... you're worth more dead than alive."

I doubt that's the case. As someone who has been there, it's almost always a biased evaluation. (Rephrasal: The decision of suicide by an agent can be modeled by a Rational AI agent in 99.95 of the cases by adding some strong biased viewpoint. ). And spending two years will give you a very different set of reasons and more importantly perspective on your life. True there still is a chance you might not outgrow your bias, but anecdotal(personal) evidence suggests otherwise.

Or to quote from a movie "Suicide is always a permanent solution to a temporary problem"