Debt

I was having a conversation with a friend who seems to mirror me in many ways. We were discussing debt and in that talk I discovered that I had been looking at debt from only one direction....money. But as we talked it became clear there is much more to it. Every time I borrow something, I incur a debt. Worse if I don't return the thing I borrowed but still a debt until it is returned. Every time I am late or make someone wait for me, I incur  a time debt. Every time I hold a desire without the immediate means to manifest it in front of me, I create a context which creates an energy debt, since each context  (the space in which a thought form exists) created seeks energy to manifest it's content. This ends up effectively that I am stealing from someone else to service this debt. The highest level of debt I have is currently to my wife.
I think in all our lives the people around us, help us service our energy debts. But at a cost.Eventually they will reject our parasitical behaviour and leave. Our objective in service, is to help others, but I do not believe it is to help them service their debts that our energy is best spent. I think it is more a tough love approach that we need. This is where Will comes in. Endowing someone with your Will sculpts their direction somewhat. They will either suck it up and positively change direction, or turn away from you and seek to continue their parasitic ways on someone else.
Our personal goal is to become debt free, then in service, help others to become the same. Karma is the educational tool that shows us how much and what type of debt we still employ/have left to pay. Karma is the reflection of debt creation. Stop creating debt, you stop creating Karma. Reincarnation is required because it takes so long to learn in a blind leading the blind environment. Learning occurs only when we look from the soul perspective as an observer, at what the personality is doing. Thus can we change the behaviour of the personality making it a better vehicle for us as the observer when using it.
Only through the personality can we reach other souls on this plane. But it is the blind leading the blind until we awaken from the debt encumbered personality perspective and acting within the best interests of the a higher perspective (aka the soul), do we move forward and become a useful tool towards the awakening of others and thus help humanity as a unit awaken to a higher level of consciousness.
That was a mouthful.