But you can def estimate how big the two sides are. 100%: I will lose my home if I don't pay for it x%: I or my family may get seriously ill or die. We don't

But you can def estimate how big the two sides are. 100%: I will lose my home if I don't pay for it x%: I or my family may get seriously ill or die. We don't know x exactly, but we do know some bounds. We know it is better than a coin flip. I've heard estimates of worst case being around 20% if hospitals get overwhelmed. However, we know that this affects young, healthy people far less than others. But let's say it is 20%. When you are poor, your risk tolerances change. I know people who would willingly take a 1 in 5 chance for death to get back to work. And likely, their chances are more like 1 in 1000. I know vastly more people who would take that chance.