Normal payments are not debt. If you want to buy a tv at a store, they can decline cash as a form of payment. You don’t owe them. The tv in your cart at the che

Normal payments are not debt. If you want to buy a tv at a store, they can decline cash as a form of payment. You don’t owe them. The tv in your cart at the checkout aisle is still theirs. There is no debt. But if you bought that same tv on an installment plan, they would have to accept payments in cash. The first one does not involve debt, the second does. That’s the difference.