Instead, the whole business seems like class-based special pleading for a very specific and small group residing mostly within the Democratic Party. The right-wing narratives and Republican attack ads easily write themselves—and they will carry some sting with independent voters in swing states, many of whom are workers in blue- or gray-collar jobs, or in service, clerical, and other nonprofessional occupations. “Did you go to college? No? Tough luck. Your debts don’t qualify for forgiveness. Medical bills? Business failures? Too bad. Joe Biden is giving 10 grand to a select group of people as a thank-you, and you’re not one of them.”

Yes, such ads will stink to the skies of rank hypocrisy. Republicans are happy to take bailouts when it suits them. And it will be unfair in the extreme to go after the Democrats for servicing an interest group in their party when the GOP is, in my view, nothing but a giant, cronyist pandering machine that hands red meat to its culture warriors and tax cuts and other breaks to its own special interests. But political messaging isn’t about fairness; it’s about messages that work, and this one is likely to land a punch that could cost the Democrats otherwise winnable votes. With democracy hanging in the balance, taking such risks for the transitory sugar high of a onetime hand-wave is irresponsible.