How are structural problems solved other than by the aggregate choices and decisions of individuals? Isn't abstinence from the entire situation a choice? Isn'

How are structural problems solved other than by the aggregate choices and decisions of individuals? Isn't abstinence from the entire situation a choice? Isn't the decision to pursue this career a choice? Can we not rightly critic those choices to highlight how to recognize and avoid the structural problems to begin with? And might ask how can the author practically solve any of these 'structural' problems? I would argue she wouldn't care, and rightly so, if her debt was discharged which is what bankruptcy reform could do. As for the 60K she paid, the gov. gets their money either way. If you don't pay they will simply garnish your wages, take your tax refunds, and put lien on your property.