Take a look at big companies or rich individuals, who commit tax fraud for example. Or people who murder or harm others out of unstable emotions. Would you say they are out of options?

Definitely not, that’s why I made sure to say “usually”, because the number of crimes that require a lot of resources to begin with, and murders who occur due to mental illness are surely outnumbered by crimes that happen out of necessity, I imagine. I’d also like to see statistics on this. (And have the energy to study it, of course.)