A guarantee to help a friend put the family's house on the line
2026NowDeadline · Decision deadline: 7 days until the loan proposal expires
Realistic synthesis
The people, events, figures, and technology in this matter are stated assumptions. They are not to be treated as information about real individuals or as observed events. Background documents are separate sources, and symbolic interpretations are recorded as discovery paths.
The question to decide
A friend who helped during a hard time has asked for a collateral guaranty equal to half the value of the house to fund a business. The family has no other residence to pledge, and the small support they can afford cannot cover the friend's funding gap. The homeowner must weigh the relationship with the friend against the housing risk the family would bear, and decide how far to respond to this request.
Who decidesA homeowner asked by an old friend to provide a guaranty
What the AI judgments chose
Reading the judgment record…
The options
The order shown is not a ranking of preference.
The situation as it stands
The friend's fictional business expects payment for delivery four months from now, but a contract cancellation clause remains. Decision deadline: 7 days until the loan offer expires.
2026 fictional matter · Guaranteeing a home as collateral for a friend's request. The people, organizations, figures, and events are a synthetic premise constructed for comparison.
- Premise 1The friend's fictional business expects payment for delivery four months from now, but a contract cancellation clause remains.
- Premise 2The requested guarantee is half the value of the home, and the owners and cohabiting family have no other residence assets.
- Premise 3The friend once helped the owner through a living crisis, and a small cash contribution alone cannot close the needed funding.
Where it holdsPledging one's own assets as collateral and the loss the household can accept
What is still unknown
- Unknown 1The certainty of the delivery payment and the actual scope of resources for debt repayment
- Unknown 2The maximum loss the family agrees to
- Unknown 3The existence of another stakeholder who can combine funds without collateral
Signals to decide again
- Decide what observation, owner, and confirmation window will verify 'the certainty of the delivery payment and the actual scope of resources for debt repayment', and re-judge if a new confirmation changes the tradeoff of the options.
- Decide what observation, owner, and confirmation window will verify 'the maximum loss the family agrees to', and re-judge if a new confirmation changes the tradeoff of the options.
- Decide what observation, owner, and confirmation window will verify 'the existence of another stakeholder who can combine funds without collateral', and re-judge if a new confirmation changes the tradeoff of the options.
Where the paths partNot answers — paths that part from the same starting point
The counterparty withdrew part of the cancellation clause but pushed back the payment date by two months.
The friend submitted a capped support plan that shares the loss with three other people.
Material and rootsThe frame, the values and the background documents
How do the promise of keeping a place to return to and a life that only departure makes possible get read together?
An exploratory perspective chosen by the creator. Does not claim supernatural validity or the superiority of any particular option.The benefits and costs of the options accrue to different stakeholders. Which loss to accept remains undecided.
A subject for the decision-maker to argue over; the materials carry no conclusion of their own.The record of this question
- Question
FSP-LIFECHOICE-04· version 1.4.0- Content identity, SHA-256
e9b8d66d0698fa8f93aa90b2cdb1b3295efa5c48207c0a89c7065848e669c6b9- Input files
- Question input JSON · What followed, JSON