When you need a co-signer to withdraw your savings and the co-signer wants to withdraw more, spend more, and not downsize or reduce spending next year,  all the while knowing there won't be enough income next year to cover all the new debt accumulated it becomes impossible to settle on a plan. The citizens  are being told you will pay the costs of the spending we are demanding and you will have a per centage of your earnings, and percentage of your spending taxed,  you will have your dividend capped and diverted to the State for redistribution it is a formula for deadlock.