It's a strawman. Debt currently works that way in the vast majority of cases. If you don't pay Comcast or Verizon (or whomever) for your internet service, the

It's a strawman. Debt currently works that way in the vast majority of cases. If you don't pay Comcast or Verizon (or whomever) for your internet service, they'll stop providing service to you. They'll also report you to Equifax, Trans Union and Experian so that other people will know that you can't be trusted to pay your debts and they'll require a security deposit before they'll provide you with service. If you overdraw your bank account and close it without settling the debt, they'll report you so that other banks know about the issue and those other banks will refuse to allow you to open a new account until the original matter is resolved. If you don't pay your Visa bill, again, they will stop extending credit to you and you'll be reported to Equifax, Trans Union and Experian. Other credit card companies will know about your history and they will refuse to extend any credit to you. In none of those cases is force or the threat of force used to collect a debt.