Funny that every Christmas I can have an advance of up to half my December salary if I so wish and my employer doesn't charge me interest.

of course.

no

I eat in a subsised dining hall but this is what is known as perk of the job. I wouldn't get that benefit in just any restaurant.
Your ability to borrow to money is the same.
The thing about perks is that even if they are, theoretically free, the employer generally needs to pay less to his employees in wages as a result.

Wel.....maybe not 'over backwards'......
1) Did Celtic Crusaders WIN promotion to SUPER LEAGUE, no, you were placed there (before ex World Champions Widnes) because the club is located in Wales.
2) Celtic go bust, the RFL let's it re-locate to Wrexham( well a new club get's created really) and allowed to stay in Super League.
3) Crusaders are in the $hit now, maybe too many 'free tickets/offers' handed out, instead of paying speccies.
The club knew what 'debts they had inherited' (i assume they have a book keeper/acountant) but carried on regardless in spending money they didn't really have, but then again you are not alone in all that.
The RFL will do 'all they can' to assist you, they think it will work eventually, I guess mainly in producing quality Welsh rugby players, admittedly that will take time. If it's not sustainable, then it's only a matter of time before RL in Wales fails again, BUT Crusaders are in the best league to make a success of it.
My team Leigh Centurions will be stuck in the championship FOREVER, or maybe till 2048 when the RFL have explored every possible avenue that is nowhere near the M62 3.83935546875:5