Gaming the system by any magnitude, is still gaming the system.

For us bottom feeders, a broken car, a sick kid, an ailing parent, an illness, or job loss puts us in debt - meaning we lose money that year.

What would happen if every American subtracted their debt (credit cards, medical bills, home mortgage and car loans) from our taxable income? The answer is simple. We'd all go into debt, then open negotiations with our creditors, and keep on fighting until we could file bankruptcy again.