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What does debt mean?
A person owes a debt to the underworld after he is conceived and born.

Lifelong debt, also known as public debt. Because Taoism believes that becoming a human being is a very rare thing. People have nothing before becoming a human being, so they have to borrow money from heaven and earth so that they can have food, clothing, money and so on after being reincarnated as a human being. If a person has not done a good deed in the world and his ancestors left a sinful debt, then he will be unfortunate. Therefore, after being a man, you must pay your debts and repay them as soon as possible, so that you can lift your karma as soon as possible.