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--- Institutions try to understand why this person isn't paying

How does a city like NY or LA scale this, when 1 or 2 out of hundreds or thousands is this type of situation. This situation only happens because a city doesn't have the manpower to do a social viability check on every tax lien.

I agree on principle, but the monitoring of elderly is not the role of government, but of community, neighbors, and family.

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