"must be added to your debt for a variety of obvious reasons" The main reason, I fear is that people on SS should stay on SS. You don't need them in the workfor

"must be added to your debt for a variety of obvious reasons" The main reason, I fear is that people on SS should stay on SS. You don't need them in the workforce, right? So just slap a huge unrealistic debt on them to make any paid work meaningless. Even better, transfer this debt to kids. That will let you split society into castes real fast: Eloi and Morlocks come to mind.