I call your attention to a post and comment thread at Megan McArdle's site on The Atlantic. For a week or more, she's been discussing why and when student loans should be discharged. Gradually, the discussion has sorted out participants in terms of whether they can see any reason why people should pay their debts unless they're forced to. After all, the law provides for remedies upon default, so doesn't that mean it's purely a question of legal strategy whether to pay a debt? There's a lot of confusion, as well, about whether it's possible to have a moral obligation to a corporation.
Is this new, or have there always been as high a proportion of Americans as this who don't know where their personal obligations come from?
Megan could use some help fighting the good fight. I was pleased to see her notice the same phenomenon C.S. Lewis does in "The Abolition of Man": people still have a strong and instinctive understanding of moral obligations when it comes to the breach of those obligations to themselves:
[W]henever you find a man who says he does not believe in a real right and Wrong, you will find the same man going back on this a moment later. He may break his promise to you, but if you try breaking on to him he will be complaining 'It's not fair' before you can say Jack Robinson.