That's a whole other thing with debt, everything is based on dharma and karma, so if it's your bad karma that you are infertile (for whatever past life reason)

That's a whole other thing with debt, everything is based on dharma and karma, so if it's your bad karma that you are infertile (for whatever past life reason) then it is the dharma of other people to help you and also for you to seek out other ways. Adoption could be one way the Garuda Purana enlists various alternatives for example for those without kids and who else can do their final rites etc