Or those with bad credit. I have had two coworkers that couldn't deposit anything to their accounts because the banks would automatically charge their pending loans.
One of them was a victim of identity theft in which a five figure loan was made on her name, and the other had a legal order due to a debt from her ex-fiancee due to a cancelled wedding.
The point being made is the legal system sometimes chooses losers, whether the fault of the system or their own. We remove the escape hatch for those losers.
If you really want to argue that the legal system makes no mistakes then do it in front of the graves of those who were wrongly sentenced to death.
Where did I say that the legal system makes no mistakes? I don’t know about you but I live in a society that chose to have a legal framework that we all abide by even if it will never be perfect. Just like you can’t choose to not go to prison because you think the verdict is unjust, you shouldn’t be able to avoid a monetary judgment. If I think paying taxes is unjust, can I stop paying? No.
Judgements in the long-term are fine. Sometimes you need to eat right now, and having every cent scooped/locked up is too draconian. That's why "garnishing wages" is often done instead.
One of them was a victim of identity theft in which a five figure loan was made on her name, and the other had a legal order due to a debt from her ex-fiancee due to a cancelled wedding.