But we do so enjoy kicking people when they’re down

“We don’t force bankruptcy debtors to give up every asset they own in order to get a bankruptcy discharge, recognizing that people need means to live after bankruptcy and need some way to get back on their feet. There is no societal benefit (in fact there is a great cost) in making people homeless or taking all of their clothes.” – Nathalie Martin and Ocean Tama, Inside Bankruptcy Law