Guess people should just be slaves to their debt because Checks Notes Banks are owned by people. Nah fuxk that noise, banks are owned by people profiting off the fact that they have large sums of Money they didnt even work for and gained by exploiting workers. Retirement funds and pension funds aren’t in any sort of peril from folks on their last legs declaring bankruptcy. Do you know who is in peril? Folks who are in crippling debt, which is one of the leading causes of suicide because they see no way out, and bankruptcy has been so heavily stigmatized by captial owners that they dont even consider it an option.