We aren’t just prone to financial debt, we’re also prone to other types of debt, such as debt related to our health.
Not sleeping enough is a type of debt. Over-training and over-working are types of debt. Living stressed out is a type of debt. Even over-eating is a type of debt (because it incurs a cost on our body that we’ll pay for in the form of illness).
Spend your money wisely, and spend your energy wisely. Both need to be budgeted.