For the same reason why women can’t stay out of male-only spaces. Women have been demonizing male-only spaces for decades. If male-only spaces are bad, female-only spaces are bad… I see no other ‘equal law for all genders’ reasonable outcome

Any debt or due you owe needs to be paid back unless you were forced physically to sign the contract. I’m just waiting for advocates of debts forgiveness. If you don’t like variable interest rates, just ask for the fixed one… They’re more expensive but they’re fixed