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I am not a mod here; I think you have me confused with someone else. Have I given you the impression that I'm unable to argue for myself without resorting to asserting some sort of authority? I actually think this kind of disagreement is good for the discourse; I just think it would also be good to have a separate place that wasn't subject to shouty bad faith people clogging up the comments in quite so high a number.
Your whole student loan analysis I'll more or less agree with overall, and to some extent with its application to other domains. I do think if someone's artery is cut that you should usually put a tourniquet on. It seems like Biden's been putting tourniquets on, and the other group has been trying to fistfight him for doing even that much, and trying to go through the accident victim's pockets and threatening bystanders. And they have weapons. And, somehow, he managed to get some important tourniquets on even so.
You're making a completely valid presentation of why the patient isn't yet "fine" after the tourniquet. But going further from there to "I don't see why I should support the tourniquet guy over the give-me-his-wallet-and-empty-your-own-pockets-while-we're-at-it people" doesn't make a lot of sense to me.
Yes, it’s a challenging environment. No question there.
The problem is he’s incapable of doing what needs to be done. Holding Trump up as an excuse for not finding the person who can (or rather people,) is also exactly how we got here. To continue the analogy, the wound is festering, we’re about to die if the proverbial leg not removed.
Biden is either incapable or unwilling, probably incapable; at a certain point you’ve done everything you can and need to step back or you become part of the problem.