Not enough money can make contracts renegotiable, too, if it’s lots of not enough.

If your debts are high, and you can convince your debtors they’re better off taking a cut on what you own them than waiting for your bankruptcy, they’ll accept a deal that’s, on paper, worse for them than the original one.

See https://en.wikipedia.org/wiki/Debt_restructuring, https://en.wikipedia.org/wiki/Chapter_11,_Title_11,_United_S....

Under pressure, everything becomes fluid.