A huge part of the issue(From what I have seen on my years working insurance) are injuries. A day laborer lives by the day, has little to no savings and has an accident or gets hurt. They know two weeks off + hospital fees will bankrupt them, so they go to work with their bodies already in a bad state, which only furthers their existing injuries, until they either fall into despair, finally seek attention and their lack of support networks makes the situation so dire, the only option they can see is a noose.
Heartbreaking really. That is one of the reasons why I left that job market, I simply could not bear telling more people, the corporate version of “You’ve ran out of money, good luck with your cancer though”.