They said service the debt, not pay off the whole thing. For an analogy, your whole mortgage being less than your annual salary isn't a requirement; your monthly mortgage payment being a fraction of your monthly salary is.
You're discounting the people who have always lived within their means and so never took on debt. They also don't have good credit. They've never missed a payment. They're good for the money. But they don't have a history showing that because they've never needed that.
Why kill the dog? It didn't listen to her, embarrassed her, and she couldn't have that. Why admit to it? People already knew about it; she thought she could get in front of the story by spinning it as "hard decisions had to be made" rather than "sociopath murders dog."
Some people also get mild to severe reactions to pizza. They're sensitive to night shade. Or lactose intolerant. Or have celiac's. Or are allergic to one of the toppings.
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