Sheldon Whitehouse actually said...

It would waive the means test and credit counseling requirements, which are unnecessary, time-consuming, costly, even humiliating for debtor...

Families who think they are protected may be only one accident, one injury or one diagnosis away from family bankruptcy.

It is a terrific and unjustified government intrusion, I believe, at the behest of the credit card industry.

Just sort of a basic element of plain old fair play, isn't it?