No matter how much you idiot proof something, life always seems to produce bigger idiots.
Of course. It's your life, live it how you see fit. I've definitely been in similar shoes.
On a friendlier note, may I just say, you have quite a way with words, and your choice of phrase sparks joy in me. I hope you do find a better life after your debts are paid, as much as I hope you have a good rest of the year, with many more to come.