You're making me laugh, p. If I hadn't been blasted before for not being nice enough around here, I'd probably have written something along these lines. Don't get me wrong, I'm not being critical of you. I love that you're calling a spade a spade.
I agree with your hypothesis as to why Joan hasn't updated, but where the heck are Adam and Courtney? I enjoyed their voices, especially when they were traveling. I think the Man vs. Debt concept still has life left in it, but it appears to be dying a slow death.
And if you're a weirdo stalker, move over please, so I can sit next to you on the park bench.
FWIW, Oh yes I was part of the "Oh NO, don't do it!" Greek chorus. Not that it did any good.