Haruki Murakami's novel 'Dance Dance Dance' has a character who is in a similar situation. He's a movie star who because of circumstances related to his divorce

Haruki Murakami's novel 'Dance Dance Dance' has a character who is in a similar situation. He's a movie star who because of circumstances related to his divorce has acquired a stunning amount of debt. So most of his income goes into covering this debt. He is very bad with numbers and money, this character, and so he cannot ever figure out how much he owes and how long will the situation last. However his movie studio rents him a high-class apartment, gets him cool cars to drive, covers various bills from shops and restaurants and whatnot as 'the entertainment expenses', can send him on the high-profile vacations, etc. They can even get him the expensive escorts, because absolutely anything can be worded to fall under the umbrella of the 'enterntainment expenses'. So in short, he can 'have' anything as long as he does not actually own it. In the end this character kills himself, due largely to the inability to exert agency over his life. And that if you read the book in the face-value 'no-mystical' mode, otherwise the outcome is rather worse. So to answer your question, going into the infinite debt for infinite reward does not really sound attractive.