Why-Not depends on which side you fall into. There are two sides: People with Debt and People collecting Payments. People-Paying would love to start from zero.

Why-Not depends on which side you fall into. There are two sides: People with Debt and People collecting Payments. People-Paying would love to start from zero. People-Collecting would not want that. If you think about it as two groups (theoretically): one group receives monthly, recurring payments from the other group. In practice, individuals move from one group to another group and back, etc. based on life circumstances. But here is a catch: Due to a bug or design, if an individual (or few individuals or families) could always stay in the receiving-group, he can live for free till end of time (or system halts/collapses.) What will blow your mind is, are there such individuals or families in the system by design?