You will have a great sense of accomplishment when you finally repaid that debt *lol* Rebirth will clear that debt right? But for sitters and top Oro killers, I guess there is no salvation.
Well, I disagree with limiting the debt. But maybe limiting the debt interest so that your debt doesn't increase by a ridiculous amount everyday, an amount beyond what you can earn in a gameday. Just like how the bank stop giving you interest when you have more than 50,000 gold in your bank.
It's been a long long time since I last paid any attention to the small details of the game, so I apologize in advance if what I said was wrong.