Unpopular opinion coming Up. If you havent lives stressed out of your tiny mind for years under the weight of financial and health concerns, it's hard to appreciate how a shaft of light looks. It is sad the guy blew a few grand which clearly could turn into a way out of his circumstances ( viewed from a point of stability). On the other hand, I get It. To not be weighed down. Its like that Big balloon being forcibly submerged. Pressure off - and boom. So perhaps theres a different way to structure help that accounts for that dynamic of a blow off top. If I missed the point, sorry.