&gt; But saying &quot;I really don&#x27;t want to follow through on what I agreed to&quot; just because minds changed is not justifiable<p>Great attempt at a moral hazard. It&#x27;s a business contract. Default on the contract, face the consequences. There is no &quot;right&quot; or &quot;wrong&quot; about it.<p>If at anytime you can default on a debt without consequence, or minimal consequence, it behooves you to do so.