I'm guessing long-term unsecured debt in five to six figure amounts is ordinarily really hard for an 18- to 22-year-old to get, no matter what they're spending

I'm guessing long-term unsecured debt in five to six figure amounts is ordinarily really hard for an 18- to 22-year-old to get, no matter what they're spending it on, and if they somehow manage it the interest rate would be very high. Making it non-dischargeable was likely intended to fix those problems. (not saying it's a good idea, but I'd imagine that was the plan)