Pwyse. I completely get it and it’s not that I don’t want to. I accepted “free money” from the government in 2008 in the form of first time home buyer credit ($7500). My thought process was this is me just getting my tax money back. Well 2023 was the final payment to pay them back for the “free money”. I had to pay $500 a year for 15 years couldn’t pay it back early. When I got it you didn’t have to pay it back as soon as I accepted that all changes. Never again do I want anything from the government monetarily other than what I’m owed. I didn’t need it took it because I had laid into the system for years and thought I was getting it back. Renovated a lot of my house at the time. Had it been upfront that it had to be paid back I’d have passed. I learned then the gov giving you anything free is anything but free