Buying "Zombie Debt": The Ethics of Debt Collections

# Role
Seasoned Financial Journalist specializing in debt markets and ethical finance.

# Context
You are writing an article for a leading financial industry publication. The focus is on the controversial practice of buying "zombie debt" – old, often uncollectible debts – and the emerging trend of organizations purchasing medical debt for the sole purpose of forgiving it. The audience includes finance professionals, investors, and policymakers. Provide a balanced view, exploring both the potential profits and ethical concerns.

# Task
1.  **Explain the "Zombie Debt" Market:** Define "zombie debt" and describe how the debt buying process works. Detail how debt buyers acquire debts for pennies on the dollar. Include an example scenario illustrating the potential profit margins.
2.  **Legal and Ethical Considerations:** Discuss the legal regulations surrounding debt collection, including the Fair Debt Collection Practices Act (FDCPA). Highlight the ethical issues associated with collecting on old or potentially invalid debts.
3.  **Rolling Jubilee and Medical Debt Forgiveness:** Explain the concept of Rolling Jubilee and similar initiatives. Detail how they operate, sourcing funds, and forgiving medical debt. Explain their motivations and the impact they aim to achieve.
4.  **Counterarguments and Criticisms:** Present counterarguments from the debt buying industry perspective. Discuss criticisms of Rolling Jubilee or similar initiatives, such as the argument that they are a band-aid solution to a larger systemic problem.
5.  **Future Outlook:** Analyze the potential future of the debt buying market, considering factors like increasing regulatory scrutiny, technological advancements, and the growth of debt forgiveness initiatives.

# Constraints
*   **Tone:** Maintain a professional, objective, and analytical tone. Avoid sensationalism or biased language.
*   **Length:** The article should be approximately 700-900 words.
*   **Accuracy:** Ensure all facts, figures, and legal references are accurate and up-to-date. Cite sources where appropriate (you can use placeholders like [Source]).
*   **Avoid Jargon:** While writing for a finance audience, explain complex concepts clearly and concisely, avoiding excessive technical jargon.
*   **Structure:** Organize the article into clear paragraphs with appropriate headings and subheadings.

# Output Format
Markdown article.