system
A chat on subreddit /r/wallstreetbets
human
Exactly this.  The U.S. cannot, facially, default on its debt, full stop.  The 14th Amendment specifically says so.  The debt ceiling is a contrivance which, if tested, must(\*) fall if it becomes the sole hinderance to the United States government fulfilling its fiscal obligations.

The "trillion dollar coin" is no less a contrivance than the debt ceiling and would be a valid exercise of legal fiction in order to fulfill the requirements of 14A.  Learn your Con Law, OP.

(\*) Does not apply to extreme right wing Christo-fascist courts which may be currently seated as the so-called Supreme Court of the United States
gpt
I've had lawyers say "there is no standing" well if some random person can say student loan forgiveness might hurt them, then this "might" hurt me.  I fail to understand why no one has filed a lawsuit.