Debitoori

Debitoori is a term used in speculative discourse and fictional settings to describe a hypothetical debt-centric socio-economic system. In this concept, debt obligations are encoded in digital tokens and tracked on a public or semi-public registry, while access to services, rights, and governance may depend on balance or token holdings. The design is intended to explore how debt, trust, and credit could be organized beyond traditional banking structures.

Etymology and scope: The word blends "debit" with a suffix echoing agents or participants; it is not tied to a single author or universe. Debitoori appears in various thought experiments and tabletop games, usually as a critique or expansion of personal credit dynamics. There is no canonical implementation; different works present different rules.

Conceptual mechanics: Tokenized debt obligations may earn governance rights or constraints; participants might accrue influence based on debt stake or repayment history. A registry can support interest accrual, forgiveness, restructuring, and insolvent resolution; or it can enable social credit mechanisms that influence access to utilities, education, or employment. Debitoori commonly uses modular rulesets to discuss ethical questions about debt, privacy, and economic inclusion.

Relation to real-world debate: Scholars and authors use Debitoori to examine debt's social impact, power asymmetries, and the potential for alternative debt governance. Critics argue that such systems risk entrenching inequality or enabling surveillance. Proponents view it as a platform for experimentation with transparent, accountable debt management. In real terms, Debitoori remains a fictional and theoretical construct rather than an established economic model.