Because we're still alive and also have a future and if the goal is to help people, there is no reason to draw the line at "paid it off already" when money is fungible and can still be used to secure a more comfortable future. Having paid off debts doesn't mean you climbed out of the hole, it means you did the responsible thing when you could have easily stashed the money away for your own retirement.

I'm not saying we shouldn't help people like us, who already paid off large sums of loans. I'm asking why we should only help people still saddled with debt if we also help people like us at the same time. That's classic crab mentality.

> it means you did the responsible thing

Not all fields are lucrative enough that paying off a pile of loans is even feasible. With how college is often pushes as all but required for many kids, it isn't possible to make an informed decision.