It's called trying, asshole. I get nothing from not trying, I get nothing from trying, what's the difference? The 'try' part.
Edit; And if you want collateral, come to my house and get it. Else, don't even bother posting.
Instead of insulting people who are trying to help you on the internet - go out and get a better job or decrease your expenses.
If you don't like my response, don't even bother replying.
