Debt (quotes)

My understanding of debt is how one owes something to another person, a bank, creditors, ect. Debt is something people try to avoid, even though sometimes it is inevitable. With the high interest rates, there can be no way of avoiding debt.  I feel there is a negative view on debt. Throughout Graeber's article he touches upon the morality of debt.

"'Surely one has to pay one's debts.' The reason it's so powerful is that it's not not actually an economic statement: it's a moral statement. After all, isn't paying ones debts what morality is supposed to be about? Giving people what is due to them. Accepting one's responsibilities. Fulfilling one's obligations to others, just as one would expect them to fulfill their obligations to you." pg. 4
This is an interesting statement that Graeber made. It seems as though, the right thing to do is pay back your loans. From the article, it did not matter the cost. He referenced to Madagascar and how they had to cut funding for the mosquito eradication program which then caused ten thousand people to die. Also, Malagasy people were extremely taxed after they were colonized. With being heavily taxed, the Malagasy people also did not have a choice when the french started to build railroads, highways, bridges, etc. Graeber also stated how if the Malagasy people objected too strongly, there were slaughtered.

Is it morally right to lose the right to vote, to lose the right to live, even face jail time, etc just to pay back a loan? Why does force need to be placed? Is debt a type of power?How much is one supposed give up to pay back a loan? I think this is the underlying message in Graeber's article. How is it fair to put some in extreme measures for the sake of money.
Can there be anything done to change the way we view debt and create more ways to help people out of debt? Are there other ways then cutting necessary programs and putting people in harms way? These are the questions that came to me while reading the article.