Enforcing the laws drastically reduces future offenses and cuts down on costs in the long run. Not to mention the domino effects. It's like usury, if you don't pay now you have to borrow. The longer you wait the worse the final payment will be, but if you zero out and maintain it's cheaper. You're arguing that it's cheaper to continue to just pay the interest because you think you're going to file bankruptcy or die before you ever have to pay that bill. But two problems, someone always has to pay even if it's not you, and I'll throw in that you pay after this life.