The problem with putting a value judgement on this is that it will precondition people to assume good faith or bad faith on the validity of the assessment based on how they interpret the fairness of the court system.
Instead, we could just say that the majority of the cases are people trying to get out of legitimate debts. If we wanted to go farther, we could say that's because some people just don't feel responsible for their own debts and some people make a choice that a last ditch effort to get out of a debt they know they should pay rather is the lesser of two evils when the alternative is to continue to fail to provide adequately for their family given their circumstances, and how different people may draw that line at different points.
That's harder to articulate and a larger discussion that may be a tangent people aren't interested in discussing though, so it's probably just simpler to keep the value judgements out of it if the intent is to keep the discussion productive.
Instead, we could just say that the majority of the cases are people trying to get out of legitimate debts.
There's another discussion which could be had about just how legitimate even "legitimate debts" actually are in some cases but that's even more in the woods.
The problem with putting a value judgement on this is that it will precondition people to assume good faith or bad faith on the validity of the assessment based on how they interpret the fairness of the court system.
Instead, we could just say that the majority of the cases are people trying to get out of legitimate debts. If we wanted to go farther, we could say that's because some people just don't feel responsible for their own debts and some people make a choice that a last ditch effort to get out of a debt they know they should pay rather is the lesser of two evils when the alternative is to continue to fail to provide adequately for their family given their circumstances, and how different people may draw that line at different points.
That's harder to articulate and a larger discussion that may be a tangent people aren't interested in discussing though, so it's probably just simpler to keep the value judgements out of it if the intent is to keep the discussion productive.