My question is not about his morals, that is up to you.

Okay, some people simply have no morals, I get that, they also can't understand ethical matters unless there is a dollar in it for them, I get that too.

If the person has kids, my morals would kick in, so if the HVAC people couldn't get out there till say Friday, I may go take a window unit over.

Thanks for listening @Jose Morales !

Not to mention that it just smells of being morally dicey and not the most ethical thing to do.

This will put pressure on Rep leaders in KY to show who they really side with.... farmers/economy/reality (considering KY is a perfect place to grow this stuff) or generally unfounded claims centered around morality etc.

Rather, it's to help my in-law out of his predicament.

I have a moral and ethical issue with rewarding people for doing exactly what they agreed to and are supposed to do.Late Fees are there for a reason.

Moral of the story here, I think you have claim there and I would pursue it.  

Moral of the story, due diligence is a critical part of note investing.