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.