Your argument is that they are both too rich to deserve forgiveness, but also only have themselves to blame for being too poor to pay back their loan.
I guess I would say that only a reactionary would argue the complete truth of both at once. Ironically, if the people in debt were the truly rich as you 50% claim to believe, they would have gotten their way, and you likely would have supported it.
Being married and getting paid opposite weeks, gpay is essentially the only google offering I am in no hurry to break free from.
Though it would be nice to see competition in the space.