This is a good point. It makes it seem a lot more binary, actually. Either I think I can get my money with enough legal work, so I keep serving them, or I don’t think I’ll be made whole so they’re fired as a customer and their assets get liquidated (modulo anything that is paid up like reserved assets that are paid in full).

Again my enviable FICO score and decades of responsible borrowing mean I’m speculating quite a bit here