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I hope I'm just being extremely pessimistic because it sounds great especially after reading that "i worked for capital one" article, but I could see how this could go horribly, horribly wrong.
What if everyone defaults? Or not everyone, what if the normal amount of people who would have defaulted, default? Who will enforce the debt? Will it be the local police? Will laws be passed that punish people for defaulting?
Just think about what could happen with someone like trump in charge.
I hope I'm wrong. I hope it works fantastically. And if so, I hope it spreads over to Michigan. I could use a loan to fix my garage door 
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