So I am fine with the player who says “meh, I can go insane 4 more times, let’s try it!” because I think that player is engaging with a lead foot on the accelerator of their character, which I think makes perfect sense in a RPG played by grownups – there’s a strong possibility that this IS going to be the biggest deal thing that they handle, not because of anything in the game or indeed in anyone’s plans, but someone might have a child or might have ANOTHER child or they might move away or someone might get tired of it (I suspect your fellow players can sense your frustrations with the game and may have good reason to believe that the game might not last that much longer), or someone’s work schedule might change, and the game might evaporate.  In such a circumstance you are insane NOT to treat the immediate crisis as the biggest one in the game; after all, it might be the last.