2020 destroyed my buying/selling revenue streams and 2021 buried the contacts, so starting over in 2022 was out of the question (I will be 79 this year). I had to use my Chase card for food deliveries and it is incredible how quickly the debt grows. After it was said and done, the rising % of the usurious cards were infringing on my fixed income, forcing me to begin a debt reduction plan. Right now it is a race between the CC banks going under and my ability to actually reduce the debt. I am finding my fixed income is increasing thanks to increased VA disability pay. I am betting the collapse of the banking industry from excessive derivitive holdings.