Maybe you're responding to what I said about unaccountable government cash? But you seem to be thinking I'm saying it's the students who lack accountability and whose incentives are screwed up by the government cash?

That's not it at all, it's not the students' incentives that are a mess under the current system and an even worse mess under the perpetual forgiveness system. It is schools whose incentives are messed up. They have no reason to keep from raising tuition and fees indefinitely because they are guaranteed to be paid. It's that problem that setting a precedent for forgiveness makes worse.

It has nothing to do with what people with student debt spend their money on.