You all are putting too much thought on this WL thing. It will convert, just order it. You just won't be able to flex, which means you'll just have to adult the **** up, and save your money without SSC doing it for you.
Why will it convert?
Here's an example:
Little jimmy has 30 things on "flex" pay, he averages $900 a month on payments to SSC.
Little jimmy realizes that the human body needs more than ramen soup to survive, and that it is plain ridiculous being in debt over this stuff.
Little jimmy cancels it all, looses nrds, SSC's staff smiles to no end all the way to the bank. And a WL spot opens.
Repeat this by the hundreds, just use other names.
It will convert.