Before you write that I've violated someones rights, realize that all of the above is voluntary. If you want our money, accept our rules. Before you say that this would be demeaning and ruin their self esteem consider that it wasn't that long ago that taking someone else's money for doing absolutely nothing was demeaning and lowered self esteem.
If we are expected to pay for other peoples mistakes we should at least attempt to make them learn from their bad choices. The current system rewards them for continuing to make bad choices.
He couldn't agree more with the writer, nor could I. As our parents used to say, "You live on my dime, you live by my rules." A concept long overdue for return.