Obliged to try a PIA?

"You must swear an Affidavit stating that you have made reasonable efforts to make use of the alternative arrangements to bankruptcy such as DSA or PIA"

If there is no financial benefit to do so why would someone opt for a 5 (or more) year PIA versus a 3 year bankruptcy?
What if I don't agree to the terms of the PIA?
Can I be "forced" into a PIA?

And what constitutes "reasonable effort"?