Yea. Though, TBH, given many things I've seen, I'm not really sure how bad it is to just ... eventually... not pay off the debts.(In the US) Like, yes, it'll hurt your credit - but even bankruptcy clears out in 7-10 years from what I understand. Just not paying off some credit cards?

So, if you're young enough, that might well not be a big deal, you can wait it out being poor just like you are now. If you're old enough, you probably don't care - one hopes you're not looking for a big loan at 80. And I also wonder - you know - on unsecured debt anyway - what is going to happen? I suppose if your total is high enough they might garnish your wages. But OTOH, many times it's just avoiding debt collectors, which usually is just not reading that mail, and not answering unknown phone numbers. You know - daily life in 2023.

I'm not going to suggest you default on your debts (unless it's in the context of dying without anything in your estate to go after), but I know of plenty of people who manage to go through life for decades basically paying very small amounts to keep foreclosure and tax auctions away, and otherwise just don't pay bills. The downside is they can't get loans, and don't have spare money - but it depends on where you are currently too - maybe that's just current life anyway.