This would make huge waves of distortions around these events. Who is going to be able to get a 30 year mortgage to buy a house if the debt reset is in 15 year

This would make huge waves of distortions around these events. Who is going to be able to get a 30 year mortgage to buy a house if the debt reset is in 15 years? Now only people who can afford 15 year mortgages. As you get closer it gets worse. Then it all resets after. I think the problems you’re trying to address with this need to be addressed in a more fundamental and continuous way.