No need to be friend, it's just common sense when you experienced yourself such situation... Money is ALWAYS needed, and whatever problem you encounter in your life, adding money problems on it is always a bad thing.
Also, staying at home to "handle" the problem is also a bad idea: usually, it drives you directly to severe depression. You need something to avoid the problem at least few hours per day, and work is often a good way to do so (and on side-effect, it avoids the first problem, too...).
Finally, keeping a (quite) usual "norm" in your life also helps to avoid depression: this routine helps you to see that your life is not totally messed up and that some elements are still stable. Good for mental stability...