Do you really believe that or just throwing out possibilities (which I do all the time myself)?
What I believe is that we don't have all the details and it is foolish to jump to the conclusion that it was some sort of intentional disappearance scam with 0 evidence to back that up. I also believe some sort of complete mental break is a very real possibility. Mental health issues are downplayed and ignored far too often for some reason. And that stigma only results in people that do have mental issues from being afraid of letting others around them (even loved ones) know.