You're trying to compare daily health routines with preparedness, as if owning a gun means you don't brush your teeth.

Hello BP I’m building new construction house, hired painter bid was 15,800 and I buy all material, I paid him 8,000 when job was 80% complete, now I look and horrible quality, they did not putty nail holes on Millwork, can see siding through thin layer of paint, light oversprays on hardwood , cabinets and walls, worse staining job on cedar you will ever see… told him to fix and he paint brushed made it much worse - what do I do? 

The interior coils were brushed cleaner and I ordered a box of blue fiberglass filters and told my tenant to switch to fiberglass until it cools off.  

This is the John Deere 1023 with a loader, and brush hog.

I spent 2 days cutting trees and underbrush that had tried to take over the lot and house and paid $300 and helped a crew chip up the brush.

And again its regional  what works in one region is foolish in another so we can't paint a broad brush over this...

If you do not, then it is quickly brushed aside by a judge and you are personally in whatever lawsuit you were hoping to avoid in the first place.So lets talk reality and solid advice.Until you have enough assets and especially those outside of real estate, an entity is probably not needed.  

Brush up on your landlord tenant laws for your state.. 

It's not something we can simply brush off as an unsecured debt from the standpoint of the borrower and the guarantor due to its sheer mass.

@David Faulkner  some may act that way I know many truly wealthy and they were it well.. multiple homes multiple ferraris .. jets ... all sorts of trappings of wealth.. can't paint a brush and say all mega rich run around like paupers.and not all rich are are drowing in debt.. one of my business partners who sold his garbage company to waste management for 65 million... owns every thing in cash... homes in Napa valley  Tahoe  big hunting ranches travels the world.. he does wear levi's and drive a Chevy tahoe.. but one look at wifes jewelry and you get the drift.Another of my business partner owns a few hundred unit apartment in PDX all paid for... 2 million dollar home in Honolulu .. member of Wailii  condo at Nauru tower that is vacant most the time I get to use it when I visit.. drives a Tesla I talked him into buying.. so just can't paint the picture of everyone who has a bunch of toys is drowning in debt that simply is not true.