I literally have not followed this story but to float the idea out there this far in advance after being so indifference or outright opposed to it before now strikes me as Biden just going "oh no I hope nobody STOPS me from forgiving all this debt... it sure would be a shame if someone said I couldn't do this!"

That way he doesn't actually have to do it. The libs get to feel more righteous indignation toward Republicans without ever recognizing the real power dynamic, and Biden gets to pretend he has progressive cred.