And a big part of my point is that baseline responsibility is to have 6 months of money in the bank. Those who are financiall responsible and sat on 6months money instead of getting a $1000 iphone or a instagrammable moment still paid their rent. But those who were marginally able to save that money up, but chose instead to burden themselves with one time or recurring costs? Those irresponsible people got say they couldnt pay their rent and someone else had to bear the burden for their irresponsibility in the past.

Now here's the kicker that I am really confounded by -- irresponsible people are by far the majority, and democracies are (basically) majority rules. So how can the government do anything but continue to create rules that create an optimal experience for irresponsible people, meaning the responsible ones are incentivized to being irresponsible too.