The Warren example isn't presented as a comprehensive discussion of student loan forgiveness, rather it is one of two brief examples of the main idea: the "socialist" political type rewards the behavior they deem bad. Philosophy Bro assumes a progressive politician would praise a student who worked through college and took no loans, or else worked hard after graduation to pay debt off. Yet these students do not get the reward offered to students who rely more on credit.

The conclusion is clear: "The progressives don’t think that it’s bad to repay your debts. They would agree that the people who sacrificed to repay their debts were acting well. But the Warren progressives would still reward those who acted badly, at the expense of those who acted well."

Perhaps in practice many beneficiaries also worked through college but still have debt. Perhaps many with no student debt came from rich families, and Warren is consistent in not wanting to reward them. But the proposal did not consider these factors; the amnesty was only restricted when the graduates had a very high income.