This is unrelated, but you cannot live your life (in a happy way) being broke virtually all the time. If you are having major problem because a paycheck is missing, you are broke. Very few escape the trap, even if your salary increases, your expenses do too. Not a way to live.

If another person had suggested to get a loan it would have seem more reasonable. You lose a couple of hundred or maybe tens of dollars but at least you get the rest. However, having a billionaire, labeled as out of touch, and presumably teams of lawyers that do his loan paperwork say that...