Sure that's a reason that the risk profile is different, but it's not fundamental. The current system is deeply flawed because of the guarantee. Maybe the ans

Sure that's a reason that the risk profile is different, but it's not fundamental. The current system is deeply flawed because of the guarantee. Maybe the answer is you can't discharge it through bankruptcy for a certain number of years (e.g. 10?). But also, it shouldn't be 6 figures.