I’d you got 100% loan forgiveness and now have extra income that no longer had to be dedicated towards debt repayment, Dr.Ken Harris says you should now have to automatically have to put half your original payment amount into a 401K or something that will help ensure that a mass national debt crisis/forgiveness doesn’t happen again. He also says we shouldn’t be able to take out any new loans. Another things we shouldn’t be able to do is to hold people to certain standards that are impossible to achieve. Yet then again we’ve always been held to a higher standard, with a low expectation.