[jancsika]

> But she has also considered marrying, then being a stay at home mom or working under the table jobs so that she can default without getting her wages garnished.

The denial of emotional toll here is shocking. She has limited her options to decades of a) un-remunerated childcare or (and?) b) being a tax resister.

To drive this home:

* imagine the difficulty of "changing jobs" in either scenario. Especially if you have an abusive boss.

* imagine four years living with your parents, trading chores for ability to work and pay off debt. That's less of an emotional toll because at least there'd be an end-date.