Money as "debt" is still unfortunately a vague thing for most not because hardly any average Joe or Jane knows about money mechanics but because those who even have a clue about the mechanics don't use the term "debt" the same way.
How is money debt? Is a coin sitting there representative of a debt, per se? What it represents, for one, is the potential payment for something not even necessarily owed. It can be gratis for whatever the bearer wants.
What we can agree on is the fact of interest on loans. That is the most corrosive. The more of it, the more corrosion.
Ultimately, It doesn't solve the issue (mitigates but doesn't solve) by having the government charging and reaping the interest via Public Banking either. The increase, the inflation, needs to be countered via adjustments, or somewhere along the line, prices for goods and services will go up faster than wages and salaries of even the most honest and hard working people -- not fair/unjust!
We can do better.
First, let's establish the language.
After that, we can even discuss Full Democracy in the Workplace, Employee/Community Ownership, and Land Reform. These should all be part of the discussion on Monetary Reform.
The current neoliberal system (Anglo-Saxon economics, as it is often termed in Europe) is affording the corporatization of the planet:.
It's disgusting and needs to be stopped. Funding dictated/controlled by plutocrat banksters is behind it all. Commercial loans at interest is their mechanism. We either break that system, or they continue further enslaving everyone.