Backgammon edge case

Playing backgammon with dad, after day at Cambridgeshire crocodile and ostrich farm! (No skydiving :))

If all your pieces are in your home quadrant and you've started taking then off, and you can't move your furthest back piece because it would land on a point with two of your opponent's, must/can't you bear off your second furthest back piece?

What's the matter McFly, stupid?

In every back to the future film, there's a bit 2/3 of the way through where everything is sorted, all they need to do is get back to the time machine and go home, Marty has escaped Biff and is walking off without getting beaten up, and Biff calls out, "What's the matter McFly? Chicken?"

And it's funny, because we all know he COULD walk away, but we all know he WON'T.

And yes, I never WANTED him to go back. He was the protagonist, he'd triumph if he did. But walking away didn't seem especially cowardly, it seemed smart.

But that's because standing up for himself was part of his core identity, but not mine.

Mine is more "be clever". I don't especially care about being cowardly. But I find it really really really hard to back away if someone implies something is OBVIOUSLY right and it's a waste of time to explain it to me. Learning to say "please explain" or to walk away, has been a long journey. (I have inoculated myself against some of the most common scams.)