It's arguable that a student who works full time but still can't pay the loan back is not frivolous and deserves to bankrupt out of the loan by the same yardstick you're applying to other situations.

Youre bringing the argument down to a tribalistic subjective standard rather than a rational level headed law to be applied across the board.

Frivolty is subjective and based on who you determine is frivolous.

This is expected based on your original sensational example.

You're arguing off of emotion.

The only to win this argument for you is to leave rationality on the wayside.