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The biggest harm of debt is not the inability to repay money, but rather that you will gradually lose your sense of control over life.
Credit cards, Huabei, and small loans seem to allow you to live the life you want in advance, but in fact, they are consuming your future.
Once you get trapped, you have to revolve around repayments every day, making it impossible to plan for the long term. When the pressure reaches a certain level, people start to break down and even entertain extreme thoughts.
It's not how serious it is, it's that you're stuck in the anxiety of "not finishing". The real confidence is that you don't owe anyone every dollar you spend.