I don't have a stance. I also don't like or dislike "the creditors" nor "the debtors" because every case is different. I don't have an argument either. It's a

I don't have a stance. I also don't like or dislike "the creditors" nor "the debtors" because every case is different. I don't have an argument either. It's a fairly throwaway comment on HN. Your comment about "gunpoint" is also something that could be boiled down to free will—it's up to someone whether they risk getting shot or not, and it's up to the person holding the gun or giving the loan or credit whether they take that risk. There's risk to both parties. Have a good rest of your week.