Why is ED a bad idea for people with financial need?

@lostaccount But you can get a decent estimate from NPCs right? Of course there are exceptions when someone’s package is completely different but I don’t think that’s the norm. Is it really hard to decline ED due to finances? I don’t know the exact steps but I thought they didn’t require any proof or anything like that. Also what do you mean by the difficult position after you opt out?

@Sue22 Wouldn’t that danger be avoided with a truly affordable safety?