Paultimate

This is shameful. 

1. The mom takes majority of blame
2. Apple and Chase need to take the rest.

Make the cost 10% and allow it over a year. This is punishment enough for struggling families. You heartless soulless people rather see a family likely become ruined by this than any compromise or any glimmer of humanity to take place. Are you all proud when you look in the mirror knowing you rather see multi-billion dollar companies gave zero tolerance for error while a child and mother are ruined from this? What the hell is wrong with you??

What if this was someone close to you you love that made a stupid mistake that they really didn't mean and had zero malicious intent? Would you tell them too bad guess you'll be homeless? Jesus Christ people, something is seriously wrong with this and anyone with a mote of empathy knows it.

And we all know what people with no empathy are.