I live in a country with free healthcare and free education, people like the woman in the article aren’t better off here. They just take the same huge loans to buy, cars houses and generally live above their means for years until the debt comes crushing down.

The american education and health system needs reform desperately, but not because of financially irresponsible people can shoot themselves in the foot, that will always be the case unless you start completely dismantling the financial freedoms of the individual.