Debt negotiations and a house

When debt negotiations started several months ago, I perceived the metaphor of an argument over a house.

The argument is between co-owners of a house who, for whatever reason, have to re-model the exterior of their dwellings.

One owner feels all would be well by selectively lowering the basement floor.

The other owner wants the entire basement floor lowered and, for structural reasons, the roof proportionally raised.

Each owner has hired his personal group of architects and their sub-contractors to argue his point to the other.

This is the metaphor I perceived when debt talks began and if I stray, I would become a basket case.
As always,
BB