I am finishing my second year in a biochemistry science/engineering Ph.D. program at a major private university in the U.S. I have come to believe I should drop out with a master's after I qual due to a diminishing interest/aspiration for what I am doing. I also have no desire to keep bashing my head against the wall towards doing a dissertation with hardly enough money from the stipend to support my wife and I's shitty suburban lifestyle. I also have a mood disorder that I control with medication, but the stress of school often tips me into a depressive state. Multiple graduate students have committed suicide at my institution over the last couple years, I don't want to be one of them.
People on the internet seem generally very split about mastering out. Opponents say it's unethical because I wasted this poor massive institution's money and the funding/time of my PI. (I've been to his house, he's not hurting or anything, and he has tenure). Proponents say you can regain your freedom from the academic establishment, get back 3+ years of your life, and start working as a scientist in industry to make decent money. Honestly, these all sound like good points and I don't see any real downsides other than making a few people at my university angry and losing the opportunity to be a PI, which I don't want anymore anyway.
In my desperation, I now ask 4chan:
What do?