Debt and healthcare are used to ensure that you don't have the freedom to walk away from immorality.
If you're in debt for your (or your kids' and/or partner's) house or education, or depend upon your employer for healthcare, you are not free to walk away. You might be able to switch jobs for something less objectionable, but so long as "not doing the immoral thing" means "my kid might not get treated for their cancer" just walking away is an option for a vanishingly small number of people.
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