Aye - I feel your pain.
When my wife's car died I could even get some high interest finance for a replacement. They wanted evidence of income & I have no regular income.
That doesn't seem to affect my existing loans though. 😂
At some point (close to 2030) I suspect The Great Taking to occur. A global deflationary event & a calling in of debts.
Timing this stuff is playing with fire but I can't help but play this game. Fuck the banks & the fiat currency in every way possible!