That does not seem to be a good way to think about it... to be in debt with push-ups?
Surely, different folks have different ways of thinking about these kinds of matters in order to motivate themselves... .so maybe that kind of a negative framework (push-up debt) works for you?
Not trynna cause some muscle cramp to yourself but rather was just a kind of motivation about it.
But the truth is, everyone is entitled to her own opinion but that doesn't mean you stress out your body.
Everyone has what pushes them to get involved into any activity at all.
Push-up debt should be for military personnels,who take it as food for the body to build there muscles but I don't support the idea of one overworking there body or muscle simply because of speculation but rather take it as a time you go off-chart to build yourself physically.