No, it's not cowardly. Checking out takes balls. It is very selfish in situations where you're leaving a mess behind for others, but everything we do, no matter how kind, if self motivated in some way to begin with.
I personally think that suicide is stupid unless you have to escape from an unbearable situation such as incurable, agonizing pain and suffering, or a life in prison sentence... anything that can be mentally conquered otherwise is a waste of a life if the person can't figure out how to solve the problem, especially if the person is intelligent and talented.
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