How do I escape debt, whether physical or spiritual, so that I am not condemned by it, as in the sayings "As you condemn, so shall you be condemned" and "Do as you please"?

The Hadith: "Righteousness does not decay, sin is not forgotten, and the Requiter does not sleep. So be as you wish; as you judge, so shall you be judged," has been narrated with different wordings. Al-Albani declared it weak, though Ibn Hajar said its narrators are trustworthy. The principle contained within the Hadith, which is that recompense is of the same kind as the deed, is established in the texts of the Qur'an and Sunnah, such as His (the Almighty's) saying: ﴿So when they deviated, Allah caused their hearts to deviate﴾, and the Hadith: "Whoever relieves a believer of a worldly distress, Allah will relieve him of a distress from the distresses of the Day of Resurrection." However, the threat is not necessarily fulfilled, for Allah may forgive and pardon those who repent.