I think it might be far, far simpler to simply demand that it's forbidden to give anyone loans with balloon payments, like student loans. Clearly too many peop

I think it might be far, far simpler to simply demand that it's forbidden to give anyone loans with balloon payments, like student loans. Clearly too many people cannot be trusted with the decision these loans require. This article is filled with statement after statement after statement showing that it's somehow wrong to require a person to predict the consequences of their actions, or expect them to take it into account, like the oft-cited learning another job, or just ... not getting a loan. Having to pay premiums from the second you have a loan would at least make the consequences extremely obvious.