Drawing down savings to pay the mortgage works just fine too, until they run out. There being no obvious alternatives doesn't mean you won't end up homeless.
Vs. the genocide if we didn't use artificial nitrogen fertilizers and had to suffer lower yield for a purely "organic" food system (note that organic fertilizers that ultimately source their nitrogen back to waste from conventional agriculture could not be used.)
When was the last famine in the United States? When was the last famine anywhere on the planet that wasn't due to some kind of fucked-up government?