If your decisions affected nobody but yourself, sure. But you suddenly being bankrupt puts a much larger cost on society than the strain of you having to pay fo

If your decisions affected nobody but yourself, sure. But you suddenly being bankrupt puts a much larger cost on society than the strain of you having to pay for firefighters. Further, if everyone thought like that and we had too little money to pay for firefighters at all... Edit: In other words, don't think of it as protecting you from your own bankruptcy; think of it as society protecting itself from your bankruptcy.