Winseer, your problem is that you bury some of the sensible, or correct, things you say, in so much filler and waffle, that people give up listing to you.
Unsecured debt IS enforceable. Not by taking good that are secured against it, but by court orders, and court enforcement bailiffs. I dont mean debt collectors calling themselves bailiffs, I mean proper court bailiffs. It is a longer process, it adds lots of costs (court and enforcement), but when a court judgement is made against you, it is very much enforceable.
Your suggestion to run up ‘unenforceable’ debt, and walk away from it, is ridiculous. It is similar to walking into a shop, filling a trolley with goods, and walking out without paying.