I watched a few episodes featuring the fourth and fifth incarnations of the Doctor when I was a teenager. I didn't get into the show because I found it confusing.
One of the great features of the revival is that it's possible to begin watching from the Ninth Doctor and more or less understand the series.
We really don't know enough about the family history and dynamics to judge. Either scenario is plausible.
I never understood those characters' decisions either. I'd wish myself into great wealth were I in their places.
One of the great features of the revival is that it's possible to begin watching from the Ninth Doctor and more or less understand the series.