If you make $30k a year and are in debt $150,000 on credit cards you don't finance a car.
The time to make this decision is
before you buy the car, not after you have already taken it and driven it for three months.
If you think that we can't afford this spending, then you should pressure Congress to
reduce spending. Instead, you are proposing that since it's too difficult to convince Congress to reduce spending, let's just stop paying the bill when it arrives.
However, total US debt is not an artificial number. We owe that money. The amount has reached a level that will never be paid back. What happens when the interest gets too much to handle? Don't say it can't or won't happen.
It
literally cannot happen for any debt issued in USD unless we simply
choose not to pay it.
The federal government of the United States has the ability to create
a limitless number of US dollars to pay any debt in that currency. Now, you can argue that they
shouldn't create too many USD because - over time - it will devalue the dollar. But you know what will devalue the dollar instantly and much more severely? If the United States says, "Well, yeah, we
could create more dollars to pay the debt that we owe you... but we don't feel like it, so we're just not going to pay you at all."