People are not like sheep. In a panic, when the situation is dire, sheep just run, they don't bite the sheep next to them. Yes, it is actually quite unfair to the sheep to compare them to humans.
-Author of which I can't remember
If you've just lost your job, got a fair amount of debt and still a family to feed, does that change the situation? Even if you're the next person, would you press it only to give the money to your family? Is that selfish?