So I think some of us have done it out of having no other choice and found it lacking.
From the time I had to live a year going to paycheck advance every month because of an unexpected auto repair bill (leaving that cheap typically requires a used beat up car).
Or the time I woke up with an excruciating pain in my side and went to ER which resulted in bills that lead to years of payments.
People do this experiment every day in the USA and the experience is pretty bad.
EDIT
I’ll grant this is all a fine trade off for some people. But having lived it, I can definitely say no thank you.
From the time I had to live a year going to paycheck advance every month because of an unexpected auto repair bill (leaving that cheap typically requires a used beat up car).
Or the time I woke up with an excruciating pain in my side and went to ER which resulted in bills that lead to years of payments.
People do this experiment every day in the USA and the experience is pretty bad.
EDIT I’ll grant this is all a fine trade off for some people. But having lived it, I can definitely say no thank you.