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Imo your fecked. Better to lay it on the lines for 'your guys' saying you've all been screwed over rather than dragging it out for more weeks or months and then being forced to have the conversion. End the job, deal with the fallout, move on and live and learn. Just my 2p worth based on what...

The truth is that he is already. You're actions are just delaying the inevitable. Yea people can feck up and get into financial difficulties, but the question is, are they blindly carrying on making it worse or are they getting their shite together and sorting it out? Getting his Mrs a new car...