Deadbeats?   What about single parents doing everything they can to get by?  First generation college students trying to change their lives?  People who develop serious illness?  Cancer?  

Debtors prison?  Yeah... take people who owe money... and put them in jail... where they don't earn ANY money AND give law abiding citizens a criminal record - which would alter their ability to gain any substantial employment.. NOT TO MENTION putting regular people away with actual criminals is basically sending normal people to crime school.

I'm a medical student, one year away from joining Doctors Without Borders, and making a differences in some of the darkest places in the world.  BUT, because Sprint decided to charge me an extra months service- without my knowledge- they decided to turn me into collections for 56.43.  So the world is a better place if I am in debtors prison because Sprint is immoral and flat out wrong, rather than serving people that would otherwise have no access to healthcare?  

I realize I am an extreme case, but I also know that I am not alone.  Some people do take full advantage of the current system.  THANKFULLY, we have things called credit scores that follow people, and alter the interest rates they pay, or even their ability to borrow money or finance.  

I think you should reconsider some of the conclusions you have drawn... for your own good.