These are nice schemes but the caps are worrisome. Modern professionals in North America pile on so much debt (student loans of a few 100K, mortgage debt of a lot more, etc.) that the countries average income doesn't reflect reality. In the Bay area, I hear laments from people making 200K that they cannot make ends meet. It is a crazy world.

You can have your student debt repayments frozen here while unemployed, at the national bank's rate. Plenty of people with high mortgages too, but duh. We aren't living in a perfect world.