(“[B]ecause such debtor is then left without any exemption at all, such debtor is thus entitled to take the federal exemptions under § 522(d).”); In re Kauer, 2020 WL 4195758, *3 (Bankr. D. Ariz. 2020) (“Even those courts that interpret the word ‘any' in § 522(b)(3)(A) literally recognize that the debtor must be eligible for and receive the exemption.” (emphasis removed)).