Re: But the elephant in the room...
But the US does have debtor's prisons. They just don't call them that. See https://news.vice.com/article/debtors-prisons-are-taking-the-us-back-to-the-19th-century, and also our own darling Daily Mail: http://www.dailymail.co.uk/news/article-2529281/Comeback-debtors-prisons-U-S-courts-revive-Dickensian-practice-jailing-people-failing-pay-legal-fees.html