Facts with nuance: the US does not “have to” default at any time in the near future even if the debt ceiling is not raised. The US government has more than enough revenue to cover what it’s legally required to spend: namely entitlement spending and debt. Much of the rest is ultimately optional, though there’s tons of nuance and I’m generalizing.

Companies if they have a bad year will spend less than their budget. This is always an option. Just because we said we originally wanted to spend X in Y year doesn’t mean we can’t adjust if the economy or tax receipts are worse than forecasted. That is how every sane actor manages their finances, public or private or even single households. If you get laid off you spend less. Common sense.