You are trying to justify and politicize the dereliction of personal responsibility on the grounds that others can foot the bill that they aren't responsible for.

do you have dirty laundry too that you want people who have the time to do it for you because you are incapable of taking on that responsibility.

you argument is that because interest rate and inflation is a lot higher than when you took out the loan, you should not share that responsibility (it should be others) which is just lazy and incredibly childish.