You’re being sarcastic, but I actually kind of agree.

Not that these options should be removed, but that they should be priced according to their costs to society.

You see that with alcohol and cigarettes in developed countries.

Leases should be more tightly regulated and require full coverage insurance. It already works like that for cars.

Borrowing is fine insofar as the payments or debt don’t interfere with your ability to survive. A bad credit score shouldn’t prevent you from living under a roof or getting a job. UBI would make this much easier in practice.