I am convinced that the regrets you would have later in life if you quit before getting your PPL would be far, far greater than any regrets over the money you spend getting it!
When I was thinking about doing my CPL, a chap in his 70s, who'd had a fairly full and chequered career, told me to go for it because you never regret the things you HAVE done in life, only the things you HAVEN'T. Good advice.