It is unlikely that someone struggling financially will be able to pay the annual amount within such a short timeframe, leading to escalating debt and its associated challenges.
Mae'n annhebygol y bydd rhywun sy'n cael trafferthion ariannol yn gallu talu'r swm blynyddol o fewn cyfnod mor fyr, gan arwain at ddyledion cynyddol a'r heriau sy'n gysylltiedig â hynny.