Felicity de Somerville says it would be an act of "self-sabotage" if the government ignores the robodebt royal commission report.
The final report of the royal commission into the controversial scheme is set to be released on Friday, a little under a year since it began hearing harrowing stories from more than 100 witnesses.
The 35-year-old mother had $11,500 taken from her bank account in 2017 by a debt collection agency, while on a payment plan for a robodebt raised against her.
It came without any correspondence from Services Australia.
"The government should be implementing all the recommendations ...(it) has to be quite naive and self-sabotaging if it doesn't," she told AAP.
Ms de Somerville said reforming Centrelink and the department would signal the government won't allow such an "egregious mistake" again.
"I don't want an empty apology from people doing it to save their reputations publicly," she said.
The commission was led by Catherine Holmes, former Queensland chief justice, who also oversaw the 2011-12 Queensland floods inquiry.
Its focus was on the establishment, design and implementation of the robodebt scheme, the use of third-party debt collectors, concerns raised following its implementation and its outcomes.
Melbourne nurse Madeleine Masterton is also determined schemes such as robodebt never again see the light of day.
Ms Masterton was shocked when she received a notice from the government saying she owed $4000, dating back to the time she received Youth Allowance while studying.
In 2019, she successfully launched Federal Court action to have the debt wiped, rather than go down the track of navigating Centrelink's complex complaints process.
"We had the opportunity to prove on a larger scale that it was unlawful. I wanted to do that," she told the commission last year.
Ms Masterton gave evidence to the commission she still did not know how or why her debt was originally raised.
"I'm looking forward to an outcome that will make sure this (scheme), or something like it, doesn't occur again," she said.
Kicking off in 2015, the robodebt scheme falsely accused welfare recipients of owing money to the government and issued debt notices to people identified through a process called income averaging, which compared their reported income with tax office figures.
More than $750 million was wrongfully recovered from 381,000 people.
The inquiry heard from former prime ministers Scott Morrison and Malcolm Turnbull and ex-ministers Alan Tudge, Christian Porter and Stuart Robert.
The scheme was ruled unlawful in 2019 and a settlement of $1.2 billion was reached between robodebt victims and the former government in 2020.
Government Services Minister Bill Shorten called it "Australia's greatest failure of public administration in social security".
Labor promised to call the royal commission before the 2022 election and followed through soon after winning.
In October last year almost 200,000 people who spent years fighting to clear welfare debts they didn't owe had their active Centrelink investigations wiped.
About 124,000 people were told they were under review for social security payments they had received, while another 73,000 were never informed they were under investigation for potential debts.
The inquiry hit a number of hurdles during its hearings, with Commissioner Holmes at one point criticising the "ramshackle" approach from Services Australia staff in terms of providing documents.
