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Deferring payment without interest is punishment. Goods in the future are worth less than the same goods in the present.

And where's someone unemployed going to get 3 month's of rent if they only work in 0 or 1 of the next 3 months?

That's why you're supposed to have savings, but it seems these days people prefer to spend frivolously

Landlords and tenants alike it seems.

But we've increased rent to rule out savings.