[trs8080]

Fortunately, human beings have gathered into societies which allow them to act in concert and for the benefit of all members of said society.

If you'd prefer to not take part in these social structures, feel free to leave.

Let us know how it goes. Or don't.

[RhysU]

I believe that personal accountability for making the best of one's lot is key to society being maximally beneficial.

I don't see why "acting in concert" implies forcing me to pay for things in direct opposition to my heartfelt belief via the coercive levers of government. Go find likeminded bleeding hearts and have a nongovernmental ball.

Why can't debt forgiveness take the Jerry Lewis/Shriners private donation route?

Then you'll do you. I'll do me. We'll all win.