Peter Hanecak"Falling below the line isn’t like cooling water; it’s like freezing it. It is a Phase Change.
When a family hits the barrier—eviction, bankruptcy, or default—they don’t just have “less money.” They become Economically Inert.
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In physics, it takes massive “Latent Heat” to turn ice back into water. In economics, the energy required to reverse a #bankruptcy is exponentially higher than the energy required to pay a bill."
via @creachadair