Debt & Credit are the same thing seen from opposing directions.
When I have more than enough, I am in credit.
When I have less than I need, I am in debt.
When I borrow with a positive perspective, I am receiving credit.
When I borrow with a negative perspective, I am arranging a debt.
When a lender sees me in a positive light, they extend me credit.
When a lender sees me in a negative light, they for-close on my debt.
When I see myself as in credit, I perceive myself to have no debt.
When I see myself as in debt, I perceive myself as in need of credit.
I subjectively look at my debt to you, whilst I objectively see your credit.
I subjectively see my credit when I look at your debt to me.
My perception of whether I am in debt or credit is determined by my belief about having more or less than enough.
I overcome my credit debt whenever I have enough.
Enough is a perspective and a state of being, never an amount of money.