That is a remarkably shitty argument. “Sure, I know the system is wrong and only hurts people, but it’s the system! You can’t just go and reform systems so they stop hurting people! Think of the investment bankers!”

We can and should change things, and part of that is helping the people who have been hurt by the system.

In what other situation would we be okay with allowing an 18 year old with no income to take out tens to hundreds of thousands of dollars in debt? The system is purpose built to fuck over the better part of two generations of people.