From my prespective, I would put money as the first reason, particularly when personal circumstances change such a job loss or other situations that suddenly require that resources being allocated for other purposes.
That’s what I would do myself. If I were in a financial crunch, I would immediately look at all my expenses and eliminate all beyond the essentials. Personal training would be on the chopping block with others. It is not that it could not be re-instated later when things change for the better.