Debt is usually framed as a financial tool. Neutral. Technical. A way to access education, housing, opportunity. Something you manage responsibly if you’re disciplined enough. But this framing hides what debt actually does in everyday life.

Laws are written, debated, amended, and repealed. Unwritten rules are not. Yet it is often the unwritten ones that shape behaviour more consistently and survive far longer. You do not need to read them to know they exist. You feel them in what is rewarded, what is punished, and what is quietly avoided.

Anxiety is usually treated as something private. Personal. Internal. A chemical imbalance, a coping failure, a weakness you’re supposed to manage quietly. But anyone who has spent time in tense rooms, unstable institutions, or constantly panicked online spaces knows this explanation feels incomplete. Anxiety spreads. Not biologically, but socially. You can walk into a room and feel it before anyone speaks. Tight voices. Restless movement. Eyes scanning for threat. Nothing has