All too often it seems to be an excuse for saying or doing something contemptible:

Debt collectors, facing growing demands to freeze the collection of debt across the country amid the economic hardship caused by the coronavirus pandemic, are mobilizing their lobbyists to push back.

………

All of this has the industry deeply concerned. The Association of Credit and Collection Professionals, also known as ACA International, a lobby group for debt collectors, has fired off letters to Brown and federal officials, sharply criticizing the push to suspend debt collection.

………

Mark Neeb, the chief executive of ACA International, wrote that he is concerned that “certain lawmakers have suggested that eliminating the work of the ARM Industry is a prudent action that should be taken in response to the coronavirus,” a reference to the accounts receivable management industry, a term of art for debt collectors. Women, Neeb wrote, “make up 70 percent of the total debt collection workforce and 40 percent is ethnically diverse.” Shutting down debt collection during the crisis, Neeb argued, would negatively “impact the diverse workforce that makes up the collection industry” and “many of these employees and businesses would face extreme hardship.”

This is completely beneath contempt.