Everyone just have debt, so when i have much debt i just relax and follow the rule of life, don't worry about debt
Seriously? You just relax while the one you have debt with is worried when you'll pay because he might need money and even you think he doesn't need the money you still have to pay. And the rule of life is live without debt so pay your debt and live your life worry free.
As per OP, if I have debt of course I make sure even little by little I pay the one I owe money. They help us when we need money and it's our obligation to pay them back even nothing will be left for us.
Once you borrowed money it is really our obligation to repay such thing and the word relax is just fitted for those people who do know that they can repay such debt but if not or you do struggle for sure you would really be stressed out how to resolve it. This is why if you dont like to experience such thing then its better not to make debts or do have loan at all but sometimes in reality we cant really avoid to do such thing because in times of need we do really borrow specially on emergency but we should repay it once we do have already a cash.