I'm sure some sociologists have written this already, but it seems to me that the people who commit suicide aren't those who are miserable and have few options. It's those who have lots and lots of options, but all options lead to unacceptably bad outcomes.

Microcredit in the third world is somewhat notorious for causing a rise in suicide rates. That fits the pattern: there's a huge number of things you can do to get money to pay back the loan, but if it gets out of hand, none of them get you remotely enough money to keep from sinking deeper into debt. Access to capital gives you many options - but it also makes it your fault when you didn't find the option which would lead you out of miserable poverty (which may not even exist!)

What any psychologist will probably tell you (at least, what all of them told me) is that clinical depression makes you bad at seeing options. Could it be that's in some sense a defense mechanism, trying to stop you from putting the really bad options on the table?