Literally I am at that point too. So many including the govt and richest people are in debt at massive rates - and the few people I know that have gone bankruot got their credit back up a lot quicker than they and I exoected. There is no real consequences anymore to borrowing and defaulting or being in so much debt it makes no sense. F it
F spirit airlines . They screwed my wife over so bad on a trip. Trying to resolve the issue I finally told them F off and I hope you go out of business. I had to book my wife with another airline to get her home . Customer service sucked