Earlier quoted context omitted.
Meh, there is a difference between not having much to your name and having a fat debt collector sitting on your neck. "sure, there is no way you can walk over that pile of broken glass without cutting your feet, so fuck it, lets get naked and roll around in it, at least you'll feel the breeze gently waving your nether parts for the first half of the process"
She's one medical emergency or expensive treatment (cancer) away from bankruptcy anyway, which can wipe out her savings in an instant. No matter what, there will always be debt collectors looming over her head.
I never understood this line of reasoning -- sure you are one big disaster away from bankruptcy, why not pile on and be _also_ at risk of moderate mishaps sending you into bankruptcy spiral.
A meteor can kill me in the next five minutes, why would I ever bother going to the gym? In fact, w