Eviction Actions in Minnesota: Possession & Collection

It is often said Eviction Actions/Housing Court are about “possession” not “collection.” This is true, but at a certain point a tenant with little excess cash always makes a decision/calculation: Do I pay my significant back rent and stay OR pay nothing and wait this out to the very last day (Sheriff knocking on the door), move out, save my money, and apply it to life/next housing option?