A little side note for all those who say remove debt at all. That's not a good idea. Let's assume there will be no debt at all. Result: Everyone is leveling faster But: SOE doesn't want us to level faster. Time needed to level is money for SOE. And they are still a company based on profit.
How can they compensate that: Easy, increase the amount of xp needed per level. In the end you trade your group debt or solo debt against a game debt. And there is no way any player can influence that. Regardless how well or bad he plays his toon. Do you like that idea ? I don't.