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Bankruptcy doesn't mean without money.
It means your liabilities exceed your assets.
Liquid assets go straight towards liabilities, real assets TEND to stay untouched, some physical assets are sold off, some aren't, then after that little dance, the remainder of liabilities are discharged.
So yes. When you walk out of a bankruptcy, in general, your quality of life has changed very little, you are just starting over in terms of LIQUID assets.
That is what bankruptcy was designed to be.
Except for student loans of course. Nothing but the sweet sweet release of death can discharge that debt.
Not even that; IIRC your family can inherit your student loan debt if you die.
"Inheriting debt" as far as I am aware has never been legally validated.
At least in America, the courts are silent about it.
Like, your paychecks can't be garnished in the name of inherited debt, but the courts also wont stop debt collectors from going after a person for inherited debt.
If the surviving family buckles under the harassment and pays, they buckle and pay. If they hold strong and wait for the collectors to move on, they don't pay.