OK guys - I was sharing a story from the day (talking 1983 +/-), and then the thought came to me "you never know what financial or other position someone is in", is this his daily driver - is he real short of cash and hauling his family. So, I threw out the story and "suggested" not recommended - it's up to the individual and their particular circumstances - just offered a possible path.
I agree with the "you did it you take responsibility" - I'm real fortunate to be able to afford (or go into credit card debit to do so) that "responsibility".
Best regards to all.