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That's how I was raised. If I got a speeding ticket my parents made ME pay for it...and I learned from that. As long as the gov't keeps rewarding people for stupid behavior that stupid behavior will continue.
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I agree, but should you be thrown in prison for 10 years for a speeding ticket? Sting, yes, destroy your life, no.
I don't see it as rewarding stupidity, I see it as understanding shit happens, even to good people.
Default on your boat loan(recreational vehicle) then by all means let them sink. Default on your $300,000 home, let them rent for awhile. But look at each case on it's own before you decide to hang them or not.