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It's going to fix a lot of problems for a lot of people that need help. Don't do that, don't be so set in needing Perfection that you allow people to suffer in the meantime.
Eh, the post you're replying to isn't anywhere close to as cynical as it could have been.
Frankly, the most generous interpretation of why this policy was put forward is an implicit acknowledgement that the way the US healthcare industry currently operates is adversely impacting the personal economies of a huge segment of the population in a way that isn't really justified. With just a slight bit of cynicism, in that they they mention how it could affect mortgage acceptance rates, there's also an acknowledgement of the knock-on effects this is having on other segments of the broader economy, which is probably what they care more about. And with just touch more cynicism we could say this is a move to garner more votes in the upcoming election. Or all of those things can be true simultaneously.
The state of the US health insurance industry and the relationship private equity has to healthcare in general really needs a complete overhaul. To say that this is a bandaid solution (if even that) isn't the same as saying that it won't do any good, and therefore shouldn't be implemented.
It isn't cynacle to say the president is doing things to get votes. That's the president's job - to do things the populous wants. That's what a representative democracy is. It's good for the president to do things that people want him to do.
How does it help them? Won't credit card companies punish everyone and just assume everyone has the average amount of medical debt (or even worse) rather than pretend medical debt doesn't exist?