Money and debt are 2 different things. There are monetary systems, (in the academic books), without debt.
In the current system, they are the same. When you have money, you are indebted towards the creators of it, the central banks.
Because you dont own that money, you just borrowed it.
It is not true. If I have money earned with my work that money are mine. Are not borrowed by no one (nor from the Central Bank, nor from my employer, nor by no one other) but my property. Fact is that that money can be spent in the way I do and I spend those in the way I do. I do this thing with my money and never no one have come to me to take those or to ask those. I have spent thousand and thousand of money since I had the first one and no one have told me why you have made this or give me that money. And never will come to ask for take those. Even if will come I will call the police and that man will go in jail.