"Bankruptcy is a serious decision that people have to make"

In this quote, Herb Kohl is highlighting the gravity of the decision to declare insolvency. He is acknowledging that it is not a choice that people make lightly, however rather a severe and tough decision that should be carefully considered. By using the word "choice," Kohl is highlighting the truth that individuals have control over whether they declare personal bankruptcy, and it is not something that happens to them without their authorization. In addition, making use of the word "people" recommends that bankruptcy is a common problem that impacts many individuals, even more stressing the seriousness of the situation. In general, Kohl's quote serves as a reminder that personal bankruptcy is a considerable and life-changing choice that must not be ignored.