I agree with Nomopo in that H's not filing can't all be about the money, and I think that you see this too -- it very well could be about all of the other factors you mentioned too: not being the bad guy to friends, family, the kids, etc., and not feeling guilty about ruining your life. There may be other reasons that haven't been realized yet, but these all seem like a probable combination.
Great job during your convo with H when you mentioned why you wouldn't file with him -- super great work in the clutch! I wish I could think so clearly on my feet like that! You are an inspiration!
I'll get back to you on my thread soon regarding your post about my unfiling...
