Having a loving caring family is something that means the world to me. We aren't a perfect family (I've made my share of very foolish selfish decisions) but we are always there to support one another. I know a lot of people would have been out on their own if they were found to have done some of what I had done.
Mercy is deliverance from judgment.
Grace is extending kindness to the unworthy.
Not everyone has a family that is willing to extend the two powerful words listed here to them.
And I am also glad I stopped before I could have ruined a lifetime savings, gambled away a house, or destroyed the trust of a spouse.