Whether choice or not, if the debt exists now and you are broke, well you really can't XYZ due to being broke. In terms of evaluating situation as is now, the facts of situation matter and not whether you are guilty or not.
Also "accountability" here serves only to allow rest of us to use feel good euphemisms, pretend that situations is more fine then it is and make it so people in those situations don't talk openly about issues they are encountering. If people can't "XYZ due to debt they are accountable for", then they can't XYZ. Them having some guilt there does not render statement untrue.
Also "accountability" here serves only to allow rest of us to use feel good euphemisms, pretend that situations is more fine then it is and make it so people in those situations don't talk openly about issues they are encountering. If people can't "XYZ due to debt they are accountable for", then they can't XYZ. Them having some guilt there does not render statement untrue.