To not only understand the impact of debt but also to experience it, I once created an account with a certain amount of money in it. Whenever I needed money in my other accounts, I would borrow from this account and repay it in installments with interest, similar to any other loan. By the end of the year, I had accumulated so many debt accounts that I couldn't pay them off without imposing restrictions on my daily expenses. It was a good exercise to align my emotions with my logic.