Joe FPE panels have KNOWN BAD BREAKERS THAT OFTEN DONT TRIP

They are
a serious fire hazard!
So the benefit is not having his house burn down!
besides just swapping the panel is a DIY project for a couple
neighbors. they will do it safe.
mess with the drop other than pulling the meter will cause all sorts of
troubles.
besides many around here want a permanent standby generator that will
require a new panel anyway.
this is a interim step to prevent a fire and add more breaker slots,
his panel is jammed