It’s honestly not worth analyzing or comparing the decisions and consequences of an adult who chooses not to have full time employment over the desire for the preconceived career conditions for which he refuses to make compromises. He is not a teacher with a part time waiter/waitress job or a social worker with a required masters degree trying to protect most needy, or a doctor with 8 expensive years of schooling and another 3-6 as a low paid servant now practicing in a poor rural environment. Those professions serving others are examples of where we should discuss debt forgiveness. He works part time and refuses to make lifestyle changes even to the determent of his parents lifestyle…
He is absolutely an individual that a bank should be wary of because in the case of a hardship or health issue, he will decide not to do what takes to pay the mortgage. And, I can’t imagine what happens when someone so inflexible has a child. He obviously did not work during his college years to keep his debt low. I remember taking a cut in take home pay from my waitress job to my first engineering job. At 21, I didn’t yet appreciate the value of vacation, tuition and health benefits, but I learned and adapted quickly.
Guess what, life is not perfect and often you need to dig deep. The ‘survival of the fittest’ may be controversial today and address natural selection in past history, but today’s society requires you to be adaptable in order to have choices and be successful. We are not too many generations away from a trade or family business being the predetermined career.