In olden days when chopping of heads was more acceptable, smart people understood that "debt relief" was a way to somehow decrease a chance of loosing they'r heads :)
Now, when technology (military) enables to control the masses more strictly this approach has fallen in popularity.
When you have nothing to eat, and the rules that are in play are so complicated that you need team of layers to understand them, "playing by the rules" does not sound really valid argument.
