There is a moral and ethical dilemna about bankruptcy. Sometimes it can make you some money, maybe thousands of dollars. But it is arguably unethical.

It is merely as unethical as banks charging large fees for you to access your own money, or corporations manipulating the market in ways that will benefit them and soak consumers. Or a corporation shirking on their product quality for the same reasons.

Bankruptcy is a choice that may damage creditors, but I witness creditors doing the same things continually and calling it a market.

[this may be a +/- effect, which will be broken. just because it's magnetic is no intelligent reason to do anything. by law.]