a low-rate loan from the state to do cesspool to septic conversion would at least be something: "This year, key lawmakers and clean-water advocates hope to ramp up progress with a low-interest loan program for the cesspools’ removal. It would be run by the state’s Green Infrastructure Authority, which typically helps finance solar and clean-energy projects." https://www.civilbeat.org/2026/02/hawaii-homeowners-need-more-options-get-rid-cesspools-2050/
better than nothing, which is what they're currently offering!
