I like the idea of starting players off in massive debt. Any money they get they have to choose between spending it on their characters (new gear or whatever) v

I like the idea of starting players off in massive debt. Any money they get they have to choose between spending it on their characters (new gear or whatever) vs paying down debt. If they spend it on themselves, they'll be in short term danger (creditors come after them to try and collect, with interest!), but if they pay their creditors now they forgo new gear.