There is a Colts.com article on Tom Rathman. They focus on his many injuries and surgeries and how they affect him today and yet he doesn’t want to quit football as a part of his life. Apparently Lucks issues messed with his mind and not just his body. I’ve always thought there is a certain mentality you need to be an NFL lifer ala Ronnie Lott cutting off part of his his finger.
I am convinced Luck will never play again. I'm disappointed, but I've made my peace with that.
I assume he retired for good reason, and while he technically "quit," I think it's harsh to call him a quitter, as if he's less of a person.
I also don't think I'd ever be able to trust him or commit to him again, if it were up to me.