And that’s the crux of the problem.
Jay Parker (I)

What about people who run up excessive debt they can’t afford, and when they go bankrupt, they think it just disappears; but in fact the rest of us, who borrow responsibly and repay these loans responsibly, cover those losses through higher fees and interest rates…

Any opinion on this? Do I get to own bad debtors, and tax them extra to pay for their bad decisions and irresponsibility?

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