No, the government is paying private contractors to advise debtors, which is a market-based approach utilizing efficient private enterprise. Hence the 38 to 1 r

No, the government is paying private contractors to advise debtors, which is a market-based approach utilizing efficient private enterprise. Hence the 38 to 1 ratio is quite obviously the most efficient that can be done - this is just economics 101. Just imagine if the government would simply employ people to advise debtors directly, how inefficient that would be, how unhelpful the advice would be, how much money would be wasted! They'd probably spend more money on that bureaucracy than what little revenue they'd bring in!