The fact of life I apparently failed to clearly state is that legal requirements today will override individual moral concerns. The politicians set the norms generally IAW majority opinion; individual opinions are trumped. That's my point in this sub thread. One can do what they believe morally correct but if it runs afoul of the statutory factors those factors will prevail and a loss is inevitable.
In event of such loss, I did and do advocate taking responsibility for one's actions without whining...
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