I know “stuff” can happen....but we don’t go out an buy things we WANT but can’t pay for....we don’t have fancy stereos, lap tops, new cars and a new boat, or take fancy vacations....gee, we live within our means.....so I find it hard to sympathize with bankrupt people.....we could file bankruptcy too if we weren’t so dang responsible....
That’s not what I’m talking about...although your example DOES happen too.