This is the type of writing, storytelling, inspiration, and truth-telling I come to Medium for. An exceptionally brilliant piece.
My wife and I have an FOF fund, but we also keep some of those funds each month to pay it forward. We both work with a lot of 20-somethings who, sadly, find themselves in the situations you mentioned. So we have money set aside they know they can use, are never allowed to repay, and use to take that next step out of a bad situation (provided they’re willing to find work and learn to budget with us). Then they grow their own FOF fund and hopefully pay it forward as they get older.
Thanks for writing this beautiful piece!