This, like so many other issues, is an issue that a small but powerful contingent of moneyed interests (e.g. the debt industry, also known as the financial industry) works very hard and spends lots of money lobbying on, in order to ensure we're not solving the problem.
This is not much different from Microsoft fighting open source, Apple fighting right to repair, or Google fighting the CCPA.
This is not much different from Microsoft fighting open source, Apple fighting right to repair, or Google fighting the CCPA.
As always: Cui Bono? Follow the money.