My feet are really to the fire because I'm getting married in October and I have no job prospects, mostly because I get nauseated at the idea of selling my soul for 40 hours a week doing something I have no emotional connection to.

I agree that this could be a problem for some, but if you are disciplined and invest your money wisely the problem should not stay permanent...right?

In our society, women still bear the vast majority of the mental and emotional burden of raising children. 

They then advertise this as a religiously approved means of financing one's purchases preying on people's emotions / beliefs.One must look at the source of the initial capital.

People make decisions on emotion, so the cover letter and picture is meant to use this to your advantage. 

Call me naive (I'm not a real estate investor and probably never will be; my interest is from a business model and value creation standpoint), but it seems to me that embracing a major paradigm shift away from wholesaling in favor of options could bring more discipline, fairness, and respectability to the process.Let me try to explain using your example. 

This thread is pointless because you're emotionally involved and won't listen to reason.

I just evicted my first tenant last year and had to go through this emotional rollercoaster of not pursuing the money because I knew she simply didn't have it.

All it took was a certified letter and several voicemails (completely professional, no emotion), notifying them that the next step would be seeking a judgement and sending them to collections, along with a brief explanation of what that would mean for their credit, ability to rent ever again, etc. with photos of the damage and documentation of repair expenses.

Most will say they can do better with the lump some and most of those people will be wrong. years back a lotto winner came to the county I was living and working in.. he got some pretty hefty annual payments.. but he was always out of money and looking to sell his payments at a big discount  :)   so your right it boils down to discipline on both fronts.