Tbh I would just try to shoulder all the debt because there are obvious problems with the game. Like why should I just trust the kidnapper? They could be straight up lying (tho it doesn't seem to be the case in this manga). Also, how can the debt affect me in the real world? They forced me into a game without my consent, I didn't say I was ok to join. That is, unless they somehow implement the debt as part of the game, somehow affecting their survival. I'm prob overanalyzing