I know a woman with no teeth who lives in a shed in a friendly neighbor's garden. After her husband skipped the country in the 90's and left her with a sizable

I know a woman with no teeth who lives in a shed in a friendly neighbor's garden. After her husband skipped the country in the 90's and left her with a sizable pile of terrible credit, highly leveraged "assets", and fraudulent tax returns she was left homeless for a period but eventually managed to find a new fulfilling career as a social worker and worked diligently for almost 20 years before giving up her apartment and "retiring" to the shed in her 60s with debilitating health issues. How can we build a system that punishes people like your father but not people like my neighbor and should we even try? Does our current system try?