[but will he care if they go after the rest of his clothing next]

Well, I think that's just a part of human nature. A lot of people here probably feel like they're swimming upstream, right? I think the saying 'desperate times call for desperate measures' would be an accurate one to use in this situation.

I'd suggest you keep an eye on the missions sent out in the future. Not everyone is willing to continue taking out loans if they're low on points, and it would really be awful if damaged clothing becomes the least of your worries one day.