You've covered off over 65s with an IRD loan, but you haven't answered the question regarding low/no income households.
I have family and friends under 65 in varying situations. Losing an income, permanent disability, redundancy, long term employment to name a few. They would have no ability to pay, and no bank would lend them money for this purpose. They're already struggling to pay rates, how will you deal with this group of non-retirees?
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