Dude, all rich people get rich BECAUSE they game the system.
What do you say to people who bought tons of houses off court steps in 2010? Did they game the system? You can say ordinary people lost everything because they pay their mortgage bills late. Should they have second chance too?
I really hate the idea rich people have second and third chances while ordinary joes have none. I remember reading news of a black guy getting arrested because he dared to come back for more soda from an McDonalds he left few hours ago. We have separate sets of rules. One for rich people, one for the rest of us.
Now the pragmatic in me just want to get rich enough to enjoy the preferential treatment.