And because the government pays the bills and on the surface everyone is taken care of, people’s neighbors and families don’t intervene. In a society without that government bail out? We can’t stop you from walking out on your spouse and children but you better have a very good reason. Otherwise you might end up without any friends in town and family that has nothing to do with you. Without the above mentioned money printing, how many people are moving around at a whim? That’s something that is enabled because developers can borrow billions of dollars, in aggregate, and build millions of prefabricated houses. Without that? Moving and starting over somewhere else because you burned your bridges in the community you were born in just became harder.
Discussion
Yes, more of the cost remains with the person who produced the cost. There's no get-out-of-bills escape clause because you can't just pass the buck to the Federal Reserve.
Your immediate family and neighbors are going to be stuck holding your debts and suffering under their weight and they know where you live, biatch. Even if you try to run away, they have a strong motivation to chase you down or make sure that your reputation precedes you.
Shotgun weddings used to be an actual thing, under the gold standard. Just sayin.
Back then you could just change your name and likely not be found if you had the control to never contact anyone from your old life again. That’s harder now. For good and for ill.