>The reality is that rewarding bad behavior and punishing good behavior
You are confusing a societal failure with a moral one: we have failed as a society by forcing those that pursue higher education to bear the entire cost of that education and we have failed to guarantee a role for those people in our society that pays well enough to pay off an inflated loan for that cost.
These are not individual moral failures. Everyone that is not able to pay off their student loans is not a bad person. Student loans are a bad system for educating people. They were introduced when higher education was desegregated and opened to women. When the white men at the reigns of the government no longer saw fit to fund public higher education for people that were not white men.
No one was forced to do this.
> So much for making the world a better place. The course that you took in life failed to teach you a fundamental truth about how a society grows.
Idealism is great for virtue signaling. The reality is that rewarding bad behavior and punishing good behavior does not lead to a healthy society.