2020至2023年间，拜登政府实施的疫情救助政策曾全面暂停还款。即使在恢复还款期限后，豁免政策和后续救济措施也曾保护违约借款人免受信用记录影响，但自本届政府上任以来，这些保护措施已基本取消。
Perhaps the most promising explanation sounds in a line of thought once voiced by Justice Holmes, whose hostility to moralist accounts of tort law (and the commitments of ordinary moral thought) was decidedly inconstant. Holmes suggested that an agent cannot properly be held responsible for an outcome, in morality or in law, unless the agent could have avoided it by choosing differently, for otherwise the agent would lack control over incurring such responsibility.360 It is an attraction of this explanation that it might make sense of the intuitive moral phenomenon embedded in doctrines such as transferred intent and the culpability-sensitivity of proximate cause: Culpability can widen the scope of a wrongdoer’s liability beyond the boundaries of reasonable foreseeability. The complaint that one could not have avoided causing an outcome rings more hollow if one has caused it through an egregiously culpable and wrongful action, for such actions are easier to avoid than mildly or moderately culpable ones.
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例如，蛮涮选择聚焦已有优势区域，加密门店，释放高密度网络带来的供应链协同效应。
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