as someone who had a huge amount of debt after leaving uni and worked has arse off to clear it, i feel I can comment on it. Of the points you made above, none still mean that a person who has debt should be allowed to wipe some or all of it off.
Someone who has lost a job and had a large amount of debt should have had the sense to take out some payment protection.
If someones partner has left them, then why cant they get a job themselves to pay the debt off? If they have kids and cant work then the errant partner can be made to pay towards the debt.
There is no reason why my bank charges, tax or anything else should increase to bail out someone that has failed to plan for the future in a sensible manner.
People need to start taking personal responsibility for their financial actions, not rely on the latest sneaky way to drift through life ignoring the important things...