May I suggest more empathy for your fellow humans?
We aren't good at weighing long-term consequences, especially when we're young (as in the model's case) or in financial need (IDK if that was a factor here; it wouldn't surprise me).
Contracts between parties of such unequal bargaining power can't be ethically valid IMO, whatever legally validity they may claim.
Likewise, 20y+ contracts involving individuals aren't wise. (Fine for organizations like businesses and governments though.)
May I instead suggest avoiding asking loaded questions? Nothing I said precludes me from having compassion for this person. My point is that it's just not an ethical concern.
Anyone getting married, buying a house or having children enters into a long contract, often at a relatively young age. Are those unwise? (It's arguably the case today, I suppose)
You need to consider the possibility that this isn't actually the predominant mores of our society - which sticks closer to "you should stand by your agreements" than "agreements between parties of unequal bargaining power are invalid".
To bring your two examples together: I don't think it's a commonly shared opinion that 30 year mortgages are unethical.
>> Fine for organizations like businesses and governments though.
Curious, would it be possible for you to expand on this?
To me, if anything, one generation committing to a future that another will be responsible for is just as ethically problematic, if not more, given the overall impact.
We aren't good at weighing long-term consequences, especially when we're young (as in the model's case) or in financial need (IDK if that was a factor here; it wouldn't surprise me).
Contracts between parties of such unequal bargaining power can't be ethically valid IMO, whatever legally validity they may claim.
Likewise, 20y+ contracts involving individuals aren't wise. (Fine for organizations like businesses and governments though.)