> They’ve been exempt / free from responsibility for far too long. I've seen arguments that the government not allowing these debts to be discharged through ba

> They’ve been exempt / free from responsibility for far too long. I've seen arguments that the government not allowing these debts to be discharged through bankruptcy was a major cause of the problem. Do we want more market manipulation, or should we start teaching students that because the government has allowed for a trap even bankruptcy cannot escape, you need to learn how to avoid it?