there is absolutely a point to agree
I cannot be you ask for help having a Porsche a merc I’d similar on the yard
in the wave of leaving I have seen how much money was spent in false security believes and all of that is put up on loans - I a country where you receive social security aid by the state you have to minimize your life style first - I am for eg not even allowed to have a car. So please don’t come up with bailout plans for keeping a lifestyle - if you starve or having a medical emergency while unable to pay for an insurance that’s a different story but sure not to keep the Porsche with the boat trailer