All of my loans are pre 2012 and I have been paying for decades. By the end of it all I will end up paying over three times the amount I borrowed. So why is Ed penalizing people who have pre 2012 loans?

Old IBR lays a 15% rate and New IBR has a 10% rate. Furthermore, the pre 2012 loans don’t qualify for the 1% reduction for being in auto-pay. Is there any good explanation for this other than sheer cruelty?