I calculate my fiat debt in bitcoins.

Right now I'm 11 bitcoins away from being debt free... I am saving bitcoins as fast as possible until I can pay it off all at once.  Current projection is it will take me about 2 years from now AT THIS PRICE. 

So the cool thing is that if the price goes up, my timeline goes down! 

I can almost taste it! no more owing doctor bills!

You are right though... If you were to owe somebody in BTC and the price jumped, it would be tough/impossible to pay it back...... however, due to volatility, the price could crash and you could pay it off sooner, right?