Some people do this and I have no idea why. When you are talking about that much bodily harm for you, then you should not be playing at all. I understand that it could be financial reasons, maybe he spent all his money on useless stuff and poor right now, but you need to understand that you could always be a good coach and make a decent amount of money.

These players are never going to earn money like we do, even if he is a coach somewhere, he could make like 50k at their start, per year, and that may not be a lot, and many do make more, the end result of that could become 2-3 million a year earning manager, so he has a great path ahead of him when he retires. All he has to do is shrink his living style down to what he earns, and he will be fine. I personally never understood players who keep playing for more money, if you can then that's great but if you can't, find another job in football world that pays maybe a lot less, but at least a good chunk of money anyway, and he could live a decent life, still probably better than us.