You sign that you’re going to pay....many who can pay, decide to ignore the bills...they’re the ones causing the problems and their credit scores need to reflect their disregard.
Call it what you will, but the Constitution is very pragmatic - and it contains no “Noble Cause” clauses.
I know a lady that had a $824,000 medical bill. She asked for and the hospital accepted her monthly payments of $200. I say, do we really need insurance!! Obviously her payment is far less than insurance premiums.