I understand the sentiment, and you are right on many fronts, we cannot absolve the reality that people do have agency over their decisions. But, I’ll suggest

I understand the sentiment, and you are right on many fronts, we cannot absolve the reality that people do have agency over their decisions. But, I’ll suggest a testable number. You can buy the 10k TV, no problem. I just don’t think that idea is scaleable indefinitely. Over 250k, I want to force you to make a 5k deposit and agreement with a bankruptcy lawyer so if it goes bad, we automatically bankrupt you. And I want to hire a nice Frontend and product team to make a seamless one-click bankruptcy agreement contract for both sides in a user friendly app. Both the lender and buyer agree to this outcome. Let’s see how that hard limit impacts things. Let’s have you get on the phone with the bankruptcy lawyer to also give verbal consent. These edge cases can be covered. Go try to get a gun license in Japan and see the types of hoops you have to jump through. It is a prohibitive process that probably reduces gun ownership by a lot.