; and (C) these territories lack the benefits of many Federal programs, such as Supplemental Security Income, the Earned Income Tax Credit, and full access to Medicaid; (3) prolonged economic downturns, declines in population, and natural disasters have resulted in some territories of the United States and the instrumentalities of those territories having unsupportable debt burdens on financial obligations, which cannot realistically be repaid without imposing undue hardship on the citizens and residents of those territories; (4) disaster recovery funds that are provided by the Federal Government should be used for disaster recovery and not for direct or indirect debt payments; (5) unsecured creditors of financially distressed territories and instrumentalities of those territories have little prospect of recovery upon default because of— (A) the severe indebtedness of those territories; and (B) the lack of effective remedies for unsecured creditors against those territories and the instrumentalities of those territories