Man, that level of bankruptcy is horror. My family went through one but thankfully the house wasn't seized but our other assets. That's why growing up, I know that I should never ever borrow from banks and get myself in a position where I have to do that. After that, my parents took any job they could and I had to stay in school. At the same time, it's what got me hustling and build things on my own. I also think that such thing sort of minimized where I am from because people who went through such usually have families who can back them up and the community helps them but most importantly, it's either distant cousins, family etc unless you don't have family then those things or what I say, extreme rare cases happens.
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Going through hardships certainly makes us stronger and united. See the situation with Ukranians and now our fellow Turks. I repplied galenkp that our mind is certainly the weak point, even if we prepare beforehand with equipment and skills for what may happen, if our mind fails...
As you said, keeping our relatives and friends close together is one way out. Most of the ppl I met on the streets who ended up homeless and alone were in that situation because of substance abuse. Staying the hell away from drugs and bad i fluence is a huge leap forward.