[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.