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mespilus
princeperch
That is a fair question and a fair observation. Whilst risking sanctions from others in answering , the solution is credit cards. I did have a bad patch a year or so back involving 3ks worth of vets bills which needed to be covered. I paid most of the bills on the credit cards and waited until the insurance money came in .
I also expect, for various reasons, that I will be out of a job within ten years or so, so there is a medium term element of urgency to pay off the house.