If it is a way to make yourself ‘better’ - why not allow the loans to be used for other types of betterment, like physical and dietary health? Or, is there a w

If it is a way to make yourself ‘better’ - why not allow the loans to be used for other types of betterment, like physical and dietary health? Or, is there a way to make oneself better without relying on tens of thousand of dollars of debt, which cannot even be waived via bankruptcy?