Without commenting on any of the opinions offered to date, I would like to share my experience with a similar circumstance.
In one of the stratas I am involved, a few years ago windows were to be replaced.
Some folks argued against the cost of the total program. Others argued that even a “cheap” replacement would be a hefty burden on a few owners.
Long story short, the dissent resulted in the replacement delayed many years by which time the price escalated a great deal (and we are talking some time before the coronavirus). Once the program’s cost skyrocketed, THEN the OC gave it the green light.
Those who claimed they could not afford the replacement could not choose to not have their windows replaced as the specifications for the job and insurance requirements required ALL defective windows be replaced.
A solution was found by the SC for those unable or unwilling to pony up the dosh at the stipulated time: they could enter into a loan with a bank (one bank was suggested) where the owner/s:
* Could stay living in their unit;
* Could have their windows replaced like everyone else;
* Would not have to offer a brass razoo by way of payment for the windows;
* The bank would “pay” the OC the required sum on the relevant owner/s behalf; and
* The bank would consider this a loan to the relevant owner/s and the funds which would be repayable
to the bank upon the sale of the property. Note, not upon the death of the owner/s.
That solution was accepted by everyone.