As a born-in you usually have no education or training so finances are very difficult when you leave. Plus if you have pioneered for any length of time, very little experience of even having a full time job. No house because you could never afford a mortgage while pioneering.
Added to that complete fear of the world. No friends at all outside the religion and having lost contact with my small amount of nonJW family, I found the couple or three cousins I had left were distrustful of me and some were annoyed I think because they didn't understand the distance we used to have because of the cult. Who can blame them.
Losing your faith cannot be underestimated either. That's very hard to cope with. Some converts go back to the church they were in before but born-ins can't do that.