That's the purpose of allowing sob stories by people that advocate for that approach. The real idea is to choke the system to death and crash it de facto. That

That's the purpose of allowing sob stories by people that advocate for that approach. The real idea is to choke the system to death and crash it de facto. That's how you get insane squatting laws where you can't remove people that are illegally occupying your property (house, apartment, etc) for years. The process becomes badly choked in the sob story process which the squatter takes advantage of. And very obviously all that would happen if you allowed the sob story process to become common in auto loans, is a huge backlog of people would become delinquent and abuse it, knowing they can drag out the consequences for a very long time.