I don't think it is a question of being right or wrong.
The question to me is: what is the purpose of 20%? Are we handing out free candy or is there a win-win somewhere?

15% HBD debt seems like a reasonable figure to have a serious debate about where HBD is. In fact, I would have preferred it if the debt limit hike was to only 20% to begin with, and then to reevaluate.