I think you have missed an essential point here: we are paying this debt because it is being inflated away. It is a ponzi scheme that keeps getting bigger and bigger. That's why everything is more expensive, houses, food, everything. Then they tell you that there has been a 2% increase in the CPI and it doesn't add up with what you see in the supermarket. That is why, among other things, bitcoin was born, and saving in it is the best way to protect oneself against the generalised loss of purchasing power that this flight forward represents.