Ok. The US did not “start” the trend because of WW 2. We reacted to a situation. Good lord.
The constitution allows us to pursue happiness, not guarantee happiness. If you borrow for anything you pay it back. If you don’t you have appropriate credit consequences.
Helping people with little access to information to stay out of trouble with a cap makes sense. If the lending cap is too restrictive for some, forget these switching to European approach methods. Never. Going. To. Happen.