Yes, people have misfortunes sometimes but they all didn’t have a misfortune. When that state cut off their driver’s license or nurse’s license and all of a sudden 98% of them started paying again - that tells me a lot!
My suggested change to the bankruptcy law wasn’t about helping the deadbeats Biden is trying to reward. It was about helping people with student loans who have suffered a genuine misfortune. In many cases that may be medical in nature. In other cases it may be that the skills they learned in school are not in economic demand for a prolonged period of time. The idea of helping the truly unfortunate discharge their debts in bankruptcy is to avoid helping everyone else who doesn’t really need the help.