My lawn needs mowing, so I mow it, despite the fact that I dislike yard work. I “can’t” move, so my life is now more complicated. Really?
How about hiring someone to mow the yard, or I can just sell the house.
I strongly dislike working with people who owe my company money. That makes my business more complicated.
Instead, how about letting my management company do what they’re paid to do: deal with my customers and collect the money. Or not.
Simple systems solve complex problems.