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machine.js

const hasDelinquencies = () => true;
const hasInsufficientFunds = () => false;

const generateDisqualificationStates = (name, condition) => ({
	[name]: {
		initial: 'evaluating',
		states: {
			evaluating: {
				on: {
					EVALUATE_DISQUALIFICATION: [
						{
							target: 'disqualified',
							cond: condition,
						},
						{
							target: 'notDisqualified',
						},
					]
				},
			},
			disqualified: {
        onEntry: send('DISQUALIFIED')
			},
			notDisqualified: {},
		}
	}
});

  
const financialPlanMachine = Machine({
  id: 'financialPlan',
  type: 'parallel',
  states: {
    disqualificationReasons: {
      type: 'parallel',
      states: {
        ...generateDisqualificationStates('delinquencyThresholdExceeded', hasDelinquencies),
        ...generateDisqualificationStates('insufficientFunds', hasInsufficientFunds),
      },
      on: {
        USER_INPUT: 'disqualificationReasons',
      },
    },
    planType: {
      initial: 'qualified',
      states: {
        qualified: {
          on: {
            DISQUALIFIED: 'disqualified'
          }
        },
        disqualified: {}
      },
    }
  },
});