O Desenrola 3.0 é uma política muito bem desenhada, que acabou sendo ofuscada pelo anúncio do fim das bets. Vamos aguardar os efeitos, mas não duvido nada que seja copiada por outros países
This is a very interesting policy idea: As he campaigns for re-election, Brazil's President Lula da Silva has offered a debt relief program for low-income families.
The idea is that the government will buy defaulted debts of up to 10,000 reais (c. $1900 USD) of working-class families.
Banks know they probably won't get back most of this debt, because it's in default, so the government will buy it for big discounts of 90+%.
Some cynical critics are portraying this as a supposed bailout of banks, but that's not true at all. The government will not pay the face value of the debt, which is of course what the bank would want. (This is what the US government often does in its bailouts, which benefit creditors, not debtors.)
Instead, in this proposal, the Brazilian government will hold auctions where creditors sell the defaulted debt with a huge haircut of 90+%. Then, after buying the debt, the Brazilian government will forgive it.
At the same time, Lula has also proposed a ban on online gambling websites, which aims to further reduce the growing levels of debt among working-class families.