The trade-off is worth saying out loud. Because the lender is not underwriting your income, the amount available is set by the item rather than by what you need. Bring the strongest collateral you can spare, whether that is a documented watch, a signed piece of jewelry or a current laptop, and the offer reflects it.
The obligation still exists. A pawn contract is a real loan with a real maturity date, and walking away from it means losing the item. We would rather explain the terms twice at the counter than have somebody discover them on day 31.