God created debt relationships as a way to obey his commands of stewardship, justice, and love. God also created risk and wants us to take risks when we see good potential for the return of stewardship, justice, or love. Gods common grace is necessary for all this to work according to his plans. By Gods common grace the impact of sin on debt markets is mitigated, debt markets can be stewardly, just, and loving, and we can imaginatively create new ways to take risks in debt markets according to Gods design.
Leonard D. Van Drunen, "Debt, Risk, and Grace," Journal of Markets & Morality 18, no. 1 (Spring 2015): 61-79