Unfortunately that’s the way it works. Try getting a credit card after you retire. Doesn’t matter how much you have in the bank and in assets the computer says no - and that’s the end of the discussion. Banking has no customer service any more.
For me it’s always two songs - me & bobby Magee by Janis Joplin was such a different take to Kris Kristofferson‘s version.
The second is Whitney Houston’s version of I will always love you versus Dolly Partin’s original.