personal problems?

It's like saying, if you are sick, you can't work and you won't get paid. Result? You have people show up for work sick so they can get paid. Then they get other people sick.

You want to create incentives for people to make good choices after their initial screw up. Like offering amnesty to tax cheats who confess and pay what they owe, but pay a lower penalty amount and face no jail time. You DO let someone off the hook, to a degree, but you give them an incentive to stop cheating.