Money is money. Debt is money from the future. Seems you don't understand.
By the same token, money is debt from the past.
The origins of debt are ultimately material. Alice has a bushel of apples today, but Bob won't have a bushel of oranges until next month. The function of money is to decouple the general function of debt from its material details. In other words, you can have debt without money, but you cannot have money without an underlying debt.
This type of synchronization requires a negative price signal on money though.
This is really sad. Especially the guy who 'advised' to stay away from crypto. I don't need advice to know it's for idiots
If you don't understand currency basics, I advise to stay away from crypto
You are never borrowing from the future. In a 100% reserve system you borrow from other people in the present. If you fail to repay you don't disappoint your future self, you disappoint another person in the present.
In a fractional reserve system loans create both debt and new money and the debt is always an obligation to pay back present money on a fixed schedule.