KMO and Bartlett's tests define the suitability of the data. From this research, the KMO measure of sampling adequacy value is found to be 0.906 (Table 3), which satisfies the criteria (Karim et al. 2020). Cronbach's alpha value defines the data consistency for factor analysis. From this research, Cronbach's alpha value is 0.958, more than 0.6 (Table 4). So, it is observed that the data used in this research are both consistent and suitable for factor analysis (Rahman et al. 2016). Our model introduces two latent variables: personal misuse (η1) and natural crisis (η2). Ten endogenous observed variables are calibrated under the ‘personal misuse’ latent variable, and six endogenous observed variables are calibrated under the natural crisis latent variable. Initially, it is presumed that there is no direct relationship between the personal misuse and natural crisis latent variables.