Does the Bitcoin Standard Favor Bankruptcy Over Years of Debt Repayment?

Maybe I’m overlooking something, but if Bitcoin is the superior savings technology, why would I spend years paying interest to banks instead of using bankruptcy laws to rebuild?

If I have the choice between spending the next few years sending hundreds of dollars every month to creditors, or discharging eligible debt and redirecting that cash flow toward savings and Bitcoin, is preserving my credit profile really worth the opportunity cost?

Every dollar going toward interest is a dollar that isn’t being used to accumulate Bitcoin. If I don’t need credit anytime soon and my existing Bitcoin is protected, then from a purely financial perspective, filing bankruptcy seems more rational than spending years servicing unsecured debt.

Many Bitcoiners talk about escaping the debt-based fiat system. If bankruptcy is a legal mechanism built into that same system, why wouldn’t it make sense to use it to reset your balance sheet and start accumulating assets again?

What am I overlooking?