That’s what, five people?

It’s a lot different when it’s thousands and thousands

Debt is a concept not a physical thing, there isn’t anything intrinsic about it that must make it transfer to others.

If I’m ok with forgiving $5 they my friend owes me for lunch, that doesn’t make the debt mysteriously transfer to a 3rd party.

You can just generate a PDF on demand. There isn’t much permanent about them at all.

Millennials are Gen Y

Or they are used because of the ability to be bypassed, e.g. japanese porn censorship