No debtors prison but there is a credit score. And that shit is the gateway to paying less for everything when you’re borrowing money. Especially for a mortgage on a house so you actually have equity in the property you’re living in.

Wrecking your credit score basically gate keeps you from a lot of stuff sadly.

I mean, I know you said /s but just saying fucking up your credit can screw you hard in the hyper capitalist hellscape we live in.