This is an issue you can truly blame one party for. The Democrats have never threatened to default via it and the Republicans have only done so when a Democrat holds the White House.

It’s hypocritical political brinksmanship of the worst sort that hurts the average American worse than basically any other decision congress can make.

By trying to let the Republicans in Congress off the hook for this you enable them to keep doing it until the idiot faction of their party truly runs us over the cliff one day.