It doesn't matter how frequently or uneventfully my car has been at 0 or 60 mph. If it goes from 60 to 0 too fast (e.g. as it would upon contact with a sturdy t

It doesn't matter how frequently or uneventfully my car has been at 0 or 60 mph. If it goes from 60 to 0 too fast (e.g. as it would upon contact with a sturdy tree), I will probably not have a good day. If you're in default on debts and the debt collectors are stalking you, you do need to stop spending and paying down debts -- merely slowing your spending, not paying anything off and then continuing to get collections calls does not rationally conclude with "boy, I guess this whole concept of fiscal responsibility is debunked!"