I would like to point out as an addendum that any laws that would harshly punish defaulting debtors would strike equally harsh towards the delinquent and the mo

I would like to point out as an addendum that any laws that would harshly punish defaulting debtors would strike equally harsh towards the delinquent and the morally admirable down on his luck. When considering seriously hard punishments, think for a while what if the person is actually in the situation from no fault of their own. Because, court often has a hard time doing any moral judgements and just looks at the cold facts.