If you owe someone money, can they not be mochel? The kesuva is a shibud, if a wife wants to be supported, that is her right, but there is indeed a machlokes rishonim if ana eflach means working one’s own fields to provide, or to have to look for a job. It’s hard to say it means the latter, say some rishonim, because we don’t find anywhere else a chiyuv mamon that requires more than glima de’al kaspai. A husband would definitely have these shitos as a “kim li” in a beis din.
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