After the black cat crosses my path...

I walk into a bank, borrow $10, and run across the street to Starbucks for coffee.

Before getting out the bank, I have already put available credit to use. I have added to total debt, and I am not yet out the bank's door.

If a bus runs me over crossing the street and I never get to spend the $10, that credit is still in use and that debt still exists. If I die without spending it, the credit stays in use and the debt exists until my estate is settled....

Debt is not created by spending. Debt is created by the use of credit.