A general thing I hadn’t noticed about debts until lately: Whenever Bob owes Alice, then Alice has reason to look after Bob, to the extent that increases the chance he satisfies the debt. Yet at the same time, Bob has an incentive for Alice to disappear, insofar as it would relieve him.
Those incentives may dominate with expectations of one-shot debt satisfaction. In others ...
A debtee may look after a multi-debtor, expecting the debtor to be a source of future valuable debts.
A debtor may be incentivized for a multi-debtee to disapear, expecting the debtee to be an example to others of exploitating the debtor.
Especially when it gets away from money, I suspect the incentive counting for debts gets as complex as can be.