Was Garland's choice strictly about artistry? Ex-prodigies understandably can be at odds with reality, one symptom being their financial lives. Garland had chronic money problems, even at the height of her MGM movie fame. Unlike Durbin, she had to keep working and find new ways to fascinate her public. The famine-to-feast world of showbiz salaries always promises a quick fix (not that such wealth necessarily materializes).
The survivors who flourish are those whose talent and personalities are varied enough that they can craft an entirely new life, both personally and artistically, that ensures they won't become their own ghosts. Howard, for example, has created such a rich and varied output as a filmmaker that you barely remember that he was once Little Opie. Foster's adult life as a director and actress goes well beyond her early brilliance in Taxi Driver.