You act as if they have a choice. Yes it does give them some protection but that doesn’t come w/o it’s negative consequences. How are YOU this ignorant?
In my defense, only because they do.
Kind of sounds like every decision. Some negatives, some positives; decider has to weigh those.
They have multiple choices most of them suck. Life is not fair.
Bankruptcy is one of their best options. They get treatment, their debt is eliminated, and they get to keep most of their things; including, their primary residence, a car, and most personal items. It costs them their credit for a decade and things they have in excess. A bummer, but not the end of the world.
You have many problems, but one of your main ones is you think the world owes people everything by virtue of their birth and you think it’s acceptable for the full force of the government to take from one group to give to another. It’s insane.