1) Either way, for the money, no. 2) I understand how percentages work. 3) No, it's not. Not when there's living expenses and a pandemic going on. 4) Yes, exact

1) Either way, for the money, no. 2) I understand how percentages work. 3) No, it's not. Not when there's living expenses and a pandemic going on. 4) Yes, exactly why your offer is nonsense.