then what happens if the ‘donor’ doesn’t choose to convert it to a donation?
Same thing that happens when you fail to meet the requirements for any other financial instrument. You go into debt, your credit rating takes a plunge, and debt collectors will start harassing you for money.
Same thing that happens when you fail to meet the requirements for any other financial instrument. You go into debt, your credit rating takes a plunge, and debt collectors will start harassing you for money.