You keep saying the same thing, doom, miss a payment, gloom, miss a payment. If you can't make the payments, don't take the loan, simple. Same point, stay under the porch. And same point, we are only talking about a couple credit card payments until you pay off the credit cards. Is the chore of writing two checks and mailing them really worrying you that much?
Stay under the porch.

I guess you are impressed with your hypotheticals, I am not.

You know what banks think? It is very revealing that you think you can read the minds of entities which have no minds. I can see where you might identify with them on this point.