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> You make it sound like it's his fault,

and in some sense, it is. When you do something as big as buying a house and taking on a huge mortgage, a premature death simply is something you have to think about. You can chose to insure your family against that (live insurance), or you can chose to take the risk. Or you can not think about it, and let life chose for you.

Even now, selling the house and/or car (and worrying less about money) is an option. It's not a popular option, but my point is that there are options, and that means that there is also choice in the order of priorities.

> or he wants money to hoard it or spend it.

That's totally not how I see it, and I'm sorry if it came across that way.



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