“I mean, the closer the number is to financial ruin, don't you think it's more likely that someone will negotiate? What you're saying, essentially, is: the higher the price of something, the less likely someone will negotiate.”

I have been close to ruin and you can reach a point where things are so overwhelming that you basically just give up. I am sure some people are natural fighters but a lot of people aren’t. In addition when you run out of money you can’t afford lawyers and other advice which makes things even worse. It’s a really bad negative spiral.