Yin debt includes official debt (human debt) and private debt. Human debt is the money that people borrowed from the officials of hades before they were born. After drinking Meng Po Tang, they will naturally forget it. People don't remember it at birth, but Hades hasn't forgotten it yet. So everyone has bad debts, but not everyone needs to pay them back. A few of us have been healthy, safe and smooth all our lives, and seldom think of asking God for advice. Maybe we've never heard of yin debt in our lives. But most people may have some problems in their careers, marriage and health. This is the role of yin debt, to remind you not to forget.