Well, maybe, but it isn't gonna happen with Biden anyways and I doubt any Republican would take it up for much the same reasons you outlined - it wouldn't benefit their own base as much, and elected officials of both parties are essentially owned by whatever segment of the banks actually holds those debts anyways.
Basically because of bribery/campaign finance, wanting to get re-elected over and over....
It seems to me that there are certain things, like education and healthcare, which should not be governed by capitalist principles but that isn't what we have, and now there's all these sunk costs involved, what a total mess
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