That provision routinely, in times of downturns, produces economic crises. These crises are often borne on the backs of those least able to afford it.  Cuts to welfare, medicade, education, mental health programs and other programs that aid the poor.  This is especially evident during Republican administrations.  They see these downturns as opportunities to roll back social programs.  If you don't want to do something, it is always handy if it is impossible.  If you want to do something, it is nice if you have no other choice.  We like to make things like that easy in the good ole USA.

"It is not necessary to have hope in order to persevere."