Or you could have one system where people are treated like adults and taken care of. The risk of getting into unmanageable debt isn't any better than the risk of a car crash, it should be minimized, not celebrated. "I drive without a seatbelt because I'm an adult and can drive responsibly!"

Except it's even worse. A car crash is terrible, but at least nobody profits from it. With debt you create a market for manipulating as many people into debt as possible.