Going with a last resort implies more than "not stupid".
replyOkay, fine: "conservative with cash" or even "tight with spending"?
reply(I'm not sure how much deeper HN threads can nest.)
"Tight" gets pretty close to "strapped", especially when it comes to making a change.
reply(They can go super deep if people are committed.)
I concede.
reply(Haha, ok, let's call a truce here before we break HN! Appreciate the conversation.)