> These proposed "large fines" would still require regular people to deal with putative creditors and occasionally to defend themselves in court. Wouldn't it b

> These proposed "large fines" would still require regular people to deal with putative creditors and occasionally to defend themselves in court. Wouldn't it be the opposite? It would be the creditors which would have to defend themselves in court. In my country, moral damages are nearly guaranteed in these cases, and the burden of proof is on the creditors to prove the debt is valid.