I can see the reality of a debt owed to oneself is not debt, but using the very word of debt would leave open the possibility of its misunderstanding and misrepresentation. Both words and Paradigms are powerful things, and playing on the linguistic and paradigmatic field of Finance’s paradigm of Debt only does not help to actualize the paradigm of monetary Grace/Gifting in the minds of Men. Ideas often need time and repetition to take root in people’s minds. I say we should “shout Grace and Gifting from the housetops.”