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That is a mischaracterization I believe and it should be looked at less in terms of sweepings principles and more in terms of legal transactions.So, in order to sue, you must be able to demonstrate that you have "standing" - a clear connection and harm from the action or law being challenged.
It turns out that when the issue at stake is "The President is spending funds that haven't been authorized by Congress", that can be exceedingly difficult to do. Recipients aren't harmed. Those who are generally harmed (taxpayers who will have to eventually make up the difference, Congress, whose authority has been usurped, etc.) don't have "standing" to sue in such a case.
And as SCOTUSBlog and we here discussed at the time:
The challengers – six states with Republican attorneys general and two individuals with student loans — had urged the justices to strike down the debt-relief plan, arguing that it does not comply with the HEROES Act and other federal laws. But before the court could reach that question, it had to determine whether any of the challengers had a legal right to sue, known as standing.
and:
Under the HEROES act, because non-federal lenders were involved, it was possible for someone to demonstrate Standing, and so, while the STATES (because they had given out loans under that program) were found to have standing, while the individuals who had filed were found to not have standing.
What the Biden administration did in switching from the HEROES Act to the PLSF was not "cease to act lawlessly in ignoring SCOTUS' check on the Presidential power", it was "change how they acted lawlessly in ignoring SCOTUS' check on Presidential power by making sure nobody had the ability to demonstrate the Standing necessary to sue". In such an instance, the only corrective in our system for a President violating the law or the Constitution by spending unappropriated funds is "Impeachment".
Which is how it survived those Legal Challenges you (@Slartibartfast) mention:
...Plaintiffs have not shown a redressable injury caused by Defendants, so their Complaint will be dismissed without prejudice for lacking Article III standing and their Motion will be denied as moot...
They basically found a way to ignore the SCOTUS ruling in such a way that it would take impeachment to stop them, secure in the knowledge that impeachment wouldn't happen.
...which is kind of exactly what we are worried that the Trump administration is also going to do. :-/
One set of transactions under one law was found illegal. A different set of transactions under a different law is an entirely independent consideration which was not found illegal. You cannot credibly apply legal justification from one to another unless you are looking for something to complain about as there was not scotus ruling in this use of the PLSF, which is what people tend to do with the forgiveness question. The standing question is irrelevant to that.
Lots of administrations try different legal justifications to do what they want to do. Some pass courts and some don’t. The legal landscape is complicated so there is room to do that. This is not unusual, hence my point about segregating the military.
This passage from the decision shows what I mean:
“The HEROES Act provides no authorization for the Secretary’s plan even when examined using the ordinary tools of statutory interpretation—let alone ‘clear congressional authorization’ for such a sweeping and significant action.”
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