I want to live in a world full of intellectually curious, creative people who build things. I think we can best do that by giving people access to education, health care, housing, food, and physical safety.
The positive externalities of an educated populace are massive.
I think the choice is between: (1) punish people because it's fair, and live an objectively worse life because everyone around us is miserable and dysfunctional (2) tune policy to support people, and live an objectively better life because everyone around us is healthy, productive and creative.
Immiserating debt destroys lives, and destroyed lives makes all of us worse off.