Punishing Those Who Expect Promises to be Honored

When some government official “cancels” student debt:

(1) what should be the punishment for a person who still tries to get back their money from someone who borrowed it and promised to pay it back? And

(2) what should be the punishment for an employer who estimates the trustworthiness of applicant based on whether the applicant fulfills their financial promises to lenders?

Obviously, if the borrower or applicant is black or a woman, then the insistent lender or cautious employer is racist or sexist (or both). But what if the borrower or applicant is a non-woman or a person without color?

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