Because the point of these is an attempt to continue to gloss over the fact that people do not earn enough to pay for basic necessities.
One does not need to borrow money, if they have enough money to pay for basic needs, power, water, gas, sewage, and trash are absolutely basic needs that anyone on any pay should be able to afford.
Instead we have an increasing inflation, with a bare minimum wage that continues to stay at the lowest level related to inflation, thereby increasing the wealth gap and increasing peoples subjugation to companies when they cannot pay them back.
It doesnt matter if they got in a wreck, got cancer, had personal hardships, this "filler" is to prey on people who have those hardships because they could not save due to increased economic pressures.
Anyone with basic math skills can figure this out, it isnt some algorithmic formula that needs to be processed after a "wait and see".