Doesn't that completely miss the point? No one has died and it's not a disease. People took loans, some have repaid and some not, and you're rewarding the lat

Doesn't that completely miss the point? No one has died and it's not a disease. People took loans, some have repaid and some not, and you're rewarding the latter at the expense of the former. You don't see any moral issues whatsoever, even if you played devil's advocate?