There's also the issue of 'fairness'. Businesses have been defaulting on their own 'bad' debt left and right; why should an individual not have the same recourse? If it's good enough for Wall Street, why is the consumer held to a higher standard? 
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per·son \ˈpər-sən\ (noun) - an ephemeral collection of small, irrational decisions
The fun thing about evolution (and science in general) is that it happens whether you believe in it or not.
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