Lets say you have no objective chance of ever getting a house and you have an apartment you probably can’t be kicked out of.

How does it make sense to keep drowning and being miserable and nominally padding the bottom line of some random banks ledger?

Why not file and discharge, keep ur car/primary residence, and be done with it? Banks have everyone on this riduculous hamster wheel that even they would never tolerate, but ya, you’re a deadbeat fuckup for demanding corporations dirty little trick creditors HATE…