About point 2:
Doesn't the suing individual have to pay back the defendant's costs in case her lawsuit is thrown away.
Sure, the schizo lady and the mountain kike may declare themselves bankrupt before repaying their debt, and procedure debt is notably hard to collect, but why is Josh talking like this is 100% lost money? I'd say they're is a decent chance he will get paid in the future at least one of the two debts, don't the montain jews own land? Doesn't the schizo lady have college education?