Even that would probably be pretty easy to come back from, comparitively.

You’d have to intentionally tank your credit score, burn all your bridges, probably even take up an addiction or two, to get anywhere near the same kind of experience.

Bonus points if you impose a familial burden. Having a child, or at least a bag of sugar you have to stuff several hundred dollars into once a week in lieu of personal expenditures to avoid putting an actual child through that stress, so your concern isn’t strictly for yourself.

Which isn’t to say I think they’d even get past the initial year you suggest. This guy couldn’t get past a year without that stipulation.