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.

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. 

Maybe making her life a bit more complicated may make you feel a bit better and guide her to use legal theory not emotions in the future.

The emotionally-dependent wife that can't help enabling him, but has to leave him when he becomes a danger to his children.The childhood accident that leaves a very young girl permanently scarred and she chooses a completely marginalized husband because it's precisely his marginalization that allows him to understand her own.

The numbers are the numbers, feels like its ego and emotion that create the amusing responses we're seeing in this thread. 

They base their policy pretty much all on emotion rather than economics or reality. 

take the emotion out of the deal, and let it gooooooo