The concern is that we don't want poor people forced to sell parts of themselves to pay off their debts - it's a bit too Merchant of Venice. (I think it'd still be good policy, because I don't see how them not having the choice is any better, but that's the common concern)
This thread is for asking any questions that might seem obvious, tangential, silly or what-have-you. Don't be shy, everyone has holes in their knowledge, though the fewer and the smaller we can make them, the better.
Please be respectful of other people's admitting ignorance and don't mock them for it, as they're doing a noble thing.
To any future monthly posters of SQ threads, please remember to add the "stupid_questions" tag.