Not that I care (I don't even know who these people are), but the statement, "We don't make enough to cover our mortgage or our bills"... doesn't really tell me anything.
For example, what is your mortgage? $1000 a month, or $15K a month? And how much of your "bills" are from credit card charges from shopping sprees or whatever?
If that’s not he case I’m unsure why they push this vague cop out of an attempt to argue why more is justifiable without actually answering the title questions.
Provide the numbers.