Bankruptcy laws were originally intended to protect the ignorant and unsophisticated from being taken advantage of by predatory lenders. This has been extended by judicial fiat to include every person who decides not to pay for their house because it turns out to be not such a good deal to people who start ill advised businesses to people who just plain over extend without any intention of ever paying anything back. It is legal to do a lot of things that the doer would not want done onto himself.
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