I wish/If only/It's time

I wish

1

I'm broke

I wish I weren't broke/I were well off

2

Outback is open in CG.

I  wish I had got out of debt

3

I need to buy a new Ferrari.

I wish I had been able to take money out of the account

4

He is always buying anything on credit

I wish he would pay cash

5

You are always getting money from my current account!

I wish you would get money from your current account

It's time

1

My cousin is a terrible student.

It's time you were in credit

2

I'm  breaking up

It's time you had a good Internet provider

3

I don't know how to play the guitar.

It's about time you bought a mobile!

4

I suspect I had a lot of mistakes in my test!

It's time you relaxed

5

I can't recognise my classmates

It's time you cried

If only

1

I'm short of money

If only I were well off/If only I weren't short of money

2

Vasco did something terrible.

If only I were in credit

3

I spend all my money on sushi

If only I had invested it in a sushi restaurant

4

Rafa broke his nintendo switch.

If only she would be well off

5

Marlon's family doesn't like him.

If only he would have a good credit rating

I'd rather

1

I don't enjoy my ringtone

It's about time you changed it

2

I'm cut off on my mobile

It's about time you found a place with a better reception

3

I run out of money on my mobile

It's about time you topped up your phone

4

I detest studying politics

It's about time you gave up a course

5

The all deserve to be eaten

It's about time you threw away those old cupcakes