There are very few "kids" that attend Harvard who have nothing. Especially if they're living in an apartment that costs $6,000 per month.......
As a side note, these are adults in post grad programs, not kids.........
Many, many assets are exempt from collection. Unless one of these snowflakes owns real estate with >$20,000 equity in it, it’s likely collection would be limited to 25% of after tax earnings. Assuming snowflake has a job.