So when the mega wealthy control the laws and politicians and then you come to me asking how we should get the laws and politicians so what we want, what do you expect me to say?
I’m not suggesting anything about bankruptcy. I’m saying it’s foolish to think voting will make this right
"Voting" is certainly not a standalone answer to "how to get Congress to change laws."
As you say, it's not gonna be easy to change politicians' minds... so doing nothing certainly won't do it.
You can pick defeatism or you can get creative. Step 1 in the US as it is is probably "find your own connected people with access to money and work on getting them involved."
It takes a long time, but I'd start with studying the anti-abortion movement, the environment or climate ones, or the ones around sexuality. Those are all fields where the laws of the land have moved.
By what method do you suggest bankruptcy is changed?