I know that the PSQ discussion is without end, but this is different.
Frequently and consistently, at least in my experience, questions come across marked "URGENT" or "help urgently needed!"
Almost surely, the questions show little to no actual effort, and there is at least a moderate correlation between the user using the term "urgent" and also demanding full step-by-step solutions. Most of these users don't stick around, and add nothing to the community once their deadlines have passed.
Now, an argument against closing PSQs is that many perfectly good non-homework questions can be written as a PSQ. Fine.
But I cannot think of a situation other than homework -- or in the worst case, literally posting from the bathroom DURING an exam -- for marking any question about mathematics urgent. Indeed, most of those problems marked urgent? They were solved hundreds of years ago. And if the question isn't urgently needed for schoolwork, then what for? Is a terrorist holding a gun to your head, demanding to know the eigenvalues of a $3 \times 3$ matrix? If so, you have internet access! Use it to flag the police!
Quite frankly, the OP's lack of preparedness is pretty far from our problem. Surely, poor planning is problem requiring a solution, but it is not a mathematical question at all.
I know that "You had fifteen weeks to learn this material why are you attempting to learn it in the last 8 hours before the exam?" isn't currently a reason for closure, so in its stead, could we perhaps simply use "off-topic"? Or maybe it's better to use "Unclear what you're asking," because frankly I often cannot tell whether the users need genuine help with mathematics or with life choices.
So, can we start closing these questions, in hopes that it will discourage this behavior?