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I changed the time frame and circumstances to make the choices easier to understand. If collapse is imminent does 10 days or 30 days make a difference? Would it be the buyers fault if the credit card companies fail before they can collect? The seller usually gets their money 3 days after the purchase is reported. Maybe the seller really could use the money as much as you need the goods.

“I thought one of the reasons for having religious or moral believes was to “sustain” a person during “bad times” -C
If your answer is to let your child die to support your moral convictions then I question the validity of your morality.