Which would have made it easier for debtors to pay their creditors?

Making it easier for debtors to pay their creditors could involve implementing flexible repayment plans that adjust to the debtor's financial situation, such as income-driven repayment options or longer repayment terms. Additionally, reducing interest rates or offering debt forgiveness programs could alleviate the financial burden. Access to financial education and counseling could also empower debtors to manage their finances more effectively, making it easier to meet their obligations. These measures would promote a more manageable repayment process and potentially lead to better outcomes for both debtors and creditors.