Very cool, matey !Very good idea.
(The dragging it out bit is getting annoying, I agree.)
But I found - if i didn't pay of any of my debt- I had lots more money left over, for me!
Philosophically speaking - paying of your debt is supporting your slave master ( pesky philosophy. lol)- sorry! lol
Dont apologize, i love ur philosophy and spirit! I wish more people had ur mantality, the world would be a much different place.. and we NEED change.. take care.