I'd expect a refund and interest commensurate with the earnings I lost being unable to invest that money. Were I an amoral freeloader that's certainly what I would have done, rather than living up to my debt obligations.
I'm not of that mindset. I'm content with my loans.
This assumes everyone is equally prudent, but I doubt this is the case. For instance, suppose I was frugal, eating only rice and beans so I could pay off my student loans ASAP, while my friend got takeout multiple times a week. In this case, does my friend deserve more intervention than me? If my acts of frugality and sacrifice leads me to not get intervention, what message does that send to society?
You can scold a smoker as much as you want, but we all still pay for their chemo in the forms of health insurance premiums.
I could really make out like gangbusters on this thing.