People on welfare can already borrow money on credit cards and so on.
Your picture of people on welfare seems a bit rosy. You think everyone has credit cards?
If they get into default the only legally enforceable repayment arrangements are ones where they are not forced below subsistence levels.
Correct. However that generally involves declaring personal bankruptcy, at which point you're locked out of all credit (including credit cards) for a few years.
It is, of course, possible to make GBI, to use a legal term, "non-garnishable" meaning it cannot be collected to satisfy a judgement against a person. But that would make it impossible to use it as collateral for a loan to buy equipment, for example. The child support payments also could become an issue.
Your picture of people on welfare seems a bit rosy
Does it? I didn't say it was a good thing.
You think everyone has credit cards?
I don't need the premise that everyone has credit cards to support the conclusion that some people on welfare do. I hear news stories about it.
It is, of course, possible to make GBI, to use a legal term, "non-garnishable" meaning it cannot be collected to satisfy a judgement against a person. But that would make it impossible to use it as collateral for a loan to buy equipment, for example.
But you could set ...
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