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I like your questions blues. I feel we have come from similar backgrounds. I've just passed the 20s, and my life has been not worth it. I'd be relieved to die any day (or to have died at any point prior). My parents were abusive, my extended family were dysfunctional, and my childhood was isolation incarnate. I think this question's heading is life, although it skirts around that. Suicide is painful. If anyone manages to commit then that's the right time for them. It really is not something one can just "choose". It's not a choice.
I don't think material conditions play much into this decision, though when articulated it may appear they do. "I don't have friends," "I don't have a car", "I don't have a non-degrading job", "I don't have a house", etc. It's a feeling. One could have everything they thought they craved and still feel miserable and despondent. One could have nothing and be in high spirits. I don't think anyone knows how to control emotions enough that they're able to guide someone to a social 'norm'. I'd suggest engaging with doctors though, and that ranges through to the general practitioner to the specialized psychiatrist, and all those professions in between.
History abounds with morose writings. It's not a new question, and I don't think it'll ever have a definitive answer. Just keep trying different things, and keep talking to others as much as you can, because whilst an individual might not have a definitive answer you usually can find something with enough data.