Debt Is A Complex Issue.

When somebody loses their job and descends into debt they deserve our full pity.
Indeed, there are many sets of circumstances which lead people into debt through no fault of their own. They truly deserve society's help.
There is a second category containing the silly, the reckless and the generally profligate whose woes are largely self-inflicted. What should be done with these people is clearly to counsel them but practical help can only be offered when it is clear that there has been an attitude change.
The third category is the worst of all. I refer to these as malicious debtors. They use and wilfully abuse the money of others, are destructive and enter debt with malice aforethought whilst treating bankruptcy as their own personal panacea.
These are criminals and should be treated as such. Imprisonment should be the norm.