It is better to have loved and lost than never to have loved at all. If rejection comes with the first possibility connection, then loneliness after rejection is worse. If rejection comes after having made a connection, then loneliness in he first state is worse.
My argument is that one can often find solace and even companionship in the world of good memories. One has a standard of comparison and can explore the depths of love and or loneliness after having know connection through relationship.
I will not tackle the debt and payment issue.
Blessings and peace.