Supposedly the real reasons was Vince threatened legal action against Owen if he quit and Bret warning him that WCW was a miserable place to work for and not worth the hassle.
Also unlike the others that left, Owen supposedly didn't feel he was that financially well off to risk legal issues or retire comfortably with his family.
The accident itself pretty much was due to Vince shrugging off Owen's concerns he had with the harness during the show.
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