The circumstances of the debt matter - I have never viewed debt as a proxy for someone's character...if they have to pay restitution to families they bilked out of their pension funds, that is different from 'got sick/injured and crushed under onerous medical debt' , hell I don't too much blame people who got lured in and hoodwinked by credit card companies and shit, you can't make debt a practical necessity for existence and then judge people for their debt

anyway their financial situation wouldn't be the first thing I would consider, or the second or maybe even the third...how do I maximize my happiness? I'm not deciding that before I'm in a room with somebody so I can't deal in this hypothetical