What's the problem with doing that?

那么做有什么问题
That seems like a good idea right.

这看起来像个好主意对吧
After all,you don't want all these people bankrupt,

毕竟你不会想让这些个破产
in debt, not paying money back to their creditors anyway.

陷入债务没有钱偿还债权人
That doesn't seem like a good situation in society.

在社会中这可不是一个好状况
It seems like a renegotiation that's a win-win situation:

在这种情况下重新谈判似乎是一种双赢
it's better for everybody.

对大家都有好处
What's the problem with it though?

但是这里面有什么问题
Let's get a mike down here. What's the problem with this?

问问这边的同学有什么问题
It incentivizes bankruptcy.

这样会激励破产
Right, it creates an incentive for people not to repay in the first place.

对这为人们不会马上还款激励提供了激励
It creates an incentive for people to take big risks now,and hence,

这也为人们提供了冒更大风险的激励