One, an excessive focus on trying to "disincentivize undesired behaviour" is pretty creepy and controlling.
Two, this is not a matter of poor life decisions, this is a matter of fraud.
Three, even if people are impoverished by stupidity, you're either gonna pick up the tab to some extent or literally watch them die of destitution on the street. It appals me sometimes how often America treats this like it was a choice.
But forcing others to pay isn't controlling? I agree they were victims of fraud, but you should still not force others to pay for that at gunpoint. There must be a more peaceful way. And saying "literally watch them die of destitution on the street" is just a cheap, emotional straw man. No one is saying that.
I have no problem with people exercising free will, now if they expect someone else to pay for the consequences thats a different topic. It is a choice none forces anyone to not do a basic google search before dropping huge amount of money on something.
