Frankly the vast majority of people with credit card debt I know still deserve relief. Even people who are under significant credit card debt due to frivolous spending— they likely need therapy or time to budget or similar but now they cannot due to the crushing weight and stress of credit card debt. Or they could’ve been able to pay it off but an emergency happened and they got laid off or they were already barely scraping by and now their car broke down or something.

I think we worry too much about what if undeserving people receive help. Most people are good people who just got caught out on something and could use some help getting themselves out of some goddamn 25% interest craziness.

Robin Hood, robbing the rich to give to the [morally validated].

There's a huuuuge difference from being poor serfs in the feudal lord's fiefdom than someone that can't say no to a sale but can't actually afford it and buys on credit.

Or you can just do charity without deciding you also must be a moral arbiter.

Or you can't do charity that just enables poor behavior and traps people in it.

Not the parent commenter but to chime in: I don't want to be a moral judge but I'd rather give money to someone actually poor than to someone richer than me that just lives beyond their means.