Having more then a few days experience as a psychologist. I never found a case of attempted suicide in which the person would be considered legaly sane or rational. Naturally, I never interviewed anybody who succeeded at it and do not know if they died sane and in full control of their actions. However, with the attempts that I did have contact with the most common cause was clinical depression, which is a physical disease that manifests itself in depressed thinking. It is a disease easily treated if diagnose. the second largest group were those diagnosed with Bi-Polar disorder. The final out come of BPD is suicide unless it is treated. Oddly most people with Bi-polar are most likely to attempt suicide while they are in an elated state than in a depressed state, they can not seem to comprehend they will not survive suicide.

Just my opinion, I believe most suicides are not by sane, rational people, although the family and those close to them may not see that the person is incapable of caring for his/her self. I just know Allah(swt) is all just and all merciful and I do not believe anybody will ever be punished without just cause. In other words only if the suicide is a deliberate controlled act, that the person understands and has the ability to stop.