... is well taken and fair....
And certainly, it is perfectly logical to not pay or service a debt when you have no money except perhaps what you need to survive, while acknowledging that the debt is valid and must be paid.
BUT that is not the case for the USA as sovereign state. Since the USA CAN pay the debt, if it chooses not to, then it is de facto changing the terms of the debt (i.e. invalidating what terms prevailed) because the choice not to honor it is just that - a choice. In such a situation, an action to default is to invalidate it (if not the debt, then the terms of the debt, if that is even a difference) unilaterally and by one's actions, which speak louder than one's words.
Moreover, even if one argues that such a default were not "questioning validity", it would certainly call into question by creditors that validity... which seems to me to be a willful act that necessarily leads to violation of the amendment...
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