> I think these two example are to the point. They're really the only outsized debts that most people have that aren't just "generally need more money". They should be tackled separately in addition to general wealth distribution policies.

Universal Basic Needs. I don't care how much UBI payments are, I still argue single payer healthcare is mandatory, because there is no way such a system can effectively function as a free market (besides perhaps elective procedures). Also, humans are irrational, unlucky, and do an overall poor job planning for the future.

Almost half of the US population over 55 has no retirement savings. They will be living on their Social Security alone (effectively an age tested UBI), but we still provide Medicare for them for their health needs when they arrive at age 65. This is a sound model.

EDIT: Tangentially, there is a thesis [1] which breaks apart the concept of fiat into distinct components: "machine money" and "human money". We can print "machine money" without a care, because what you buy with it is produced or delivered by automation; this might be renewable energy or automated electric transportation. We can deflate it away with technology. "Human money" is money where you must have a human do the work, and therefore there are supply and demand constraints. This currency must be carefully managed to prevent inflation or devaluation.

[1] https://wtfeconomy.com/machine-money-and-people-money-29b497...