I think the point is that any type of relief of these kinds of debt would be met with political opposition. The opposition to this is against helping people in any capacity at all, engaging with nitty gritty details as to what might have been more sensible is giving credence to their insanity. When someone is trying to hurt you, you don’t let them ratchet it up to normalize “well, at least they only hurt me this much”. It’s painfully obvious that we have an entire political party in the US that has popularized suffering as the end goal. Nothing less.