It's something so irrelevant to the game that it's not worth creating any sort of awkward social situation because of it.
It seems pretty important if it's happening live, in the session, which is what I believe the GM had a problem with in the first place. But yeah, nothin g that couldn't have been handled in 5 minutes outside game time.
Maybe it's my "benefit of the doubt" nature, but the impression that I got was one of someone who'd been tossing around the idea of retiring a character, but hadn't decided one way or the other yet. (There is that just-acquired Gambler spec, after all. Why buy a new spec if you're planning to retire the character?) But, a window of opportunity and inspiration popped up to make that decision.