Contrary to what is sometimes said/published, that's rarely part of the calculus on the decision to eject.

If one has the ability to steer the aircraft away from "civilian casualties", then one also usually has the ability to avoid the reason to eject.

What's likely going through the mind of someone who rides it in is a 100% focus on trying to solve/fix the problem to get the aircraft flying and under control again, as they have either consciously or unconsciously passed up the doctrinal minimum controlled and uncontrolled ejection altitudes.