Psychology... talk about something that only exists in your head
Margaret Atwood’s book Payback: Debt and The Shadow Side of Wealth is another zinger of a read. It’s based on a series of lectures that was turned into a book. It explores the psychological aspect of debt. In case you’re not familiar with Margaret Atwood, she is the prolific Canadian author, most famed by her book - The Handmaid’s Tale (another prescient work)
https://en.wikipedia.org/wiki/Payback:_Debt_and_the_Shadow_Side_of_Wealth