That’s not what the plan was though. Last time I checked it would even help those who paid everything off. I’m wondering which news sources you follow to not have noticed that bit.

Also, having policies that make millions of people suffer, what effect might it have on living conditions of everyone? If a few make a bad decision it is on them, if millions made a bad decision it’ll be a problem for society. It could be ignored, but it’ll still effect society.