My prediction : people here will say because there's a system wide conspiracy to either bait stupid people into debt, or fraudulently force people into debt they'd never incur voluntarily. But hopefully people agree that if debts were voluntarily created, then prisons would be an appropriate punishment when debts can't be expected to be paid back (and bankruptcy discharging debts makes a mockery of responsibility)
http://www.nytimes.com/2012/09/26/op...ison.html?_r=0
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