Seems surprising that the woman in the article didn’t try to make a payment plan or discuss her situation with her lender. Also why do they assume there is no consequence for nonpayment? At the minimum they should be required to work out a payment plan with the lender for reinstatement of their license. Personal responsibility has to be a part of it. If you don’t pay your mortgage the bank takes your house, if you don’t pay your auto loan your car is repossessed.