I still don’t understand why the paycheck loans could be forgiven but not student loans
Let me try to steel man it:
You can reposes physical assets, but not the knowledge that it supposedly worth tens of thousands.
If I was possible everyone would default the day after they leave collage.
The first one is stupid because you can't reposes an eaten meal and burned petrol.
On the second isn't realistic either, because not every American defaults after a medical emergency either, because they want to be credit worthy later on.

It is in Germany. Here overtaking may not take longer than 45s, so a truck can't do it unless the other one is driving 10 km/h below the speed limit.
If they get caught they are 1/8 of their way to a suspended license (requiring a 6 month wait and a psychological review and the normal exam to reacquire) .