Very much agree.
I've often mentioned my friend who is $.5mil in debt at age 77. I estimate his two SS's (his and wife) plus his pension come to about $80K. That amount covers his debt service (so far) and leave him enough to spend and get more credit. He is happy, so who am I to say he has to have $1Mil (to the good) to be happy. When he dies, I have no idea what happens to his wife. I hope he has made some kind of arrangement for his debt, but I doubt it. At that point, it might become sad very quickly - yet bankruptcy laws will probably spare her a place to live and she will still have the higher of their two SSs plus half his pension. She should survive. All is well - and they definitely do NOT have $million! YMMV
You are in Hawaii? Not fair!