>>18636
In a previous era, I would have argued for workhouses as options in contracts as the value of one's manual labour less expenses would be proportional to the amount owed.
However, in this era, it is entirely possible for a loan to exceed the amount that one could earn in even a professional job in the course of a lifetime. The value of brute manual labour has been made obsolete thanks to the industrial revolution. To extract any more would be unlikely as the cost of supervision and prevention of sabotage would quickly eat in to any revenues generated by the debtor.
Then there is the matter of social ostracism. If a creditor sends someone else to a workhouse as described above, it could backfire. In a free society, we would not have petty fiefdoms (e.g. utilities, gov't agencies), so people could hold the creditor's feet to the fire to make sure such options, even if they are present in a contract, would not be enforced.
Bankruptcy is presently a background option in lending and the lender adjusts accordingly. Therefore, I doubt that debtor's prisons, workhouses, &c would emerge if AnCaps got their way.