I can’t think of a single situation besides ransom that would require I spend $8,000 but, to answer your question, I would take out a loan.
Regardless, if my partner and I each made $4,000/mo, we’d have over $4,000/mo of discretionary spending, which is insane
The test is they’re required to give me a million dollars. If they’re unable to do so because they don’t have access to a million dollars, they pass. If they do, I get a million dollars and they fail