I don't really understand the question.

In the current system having no debt means others have more debt.

When money is created by a private bank (not the govt) the interest is not created.
The loan and interest is still owed to the private bank, so there is always more debt in the economy than money. ALWAYS.

So, for every individual with money and no debt they are multiple people with some money but much more debt.

I'm not sure that I'm answering your question, but it's a macro view of the debt-money system.

One last historical detail.

A reasonably simple solution to the excess debt problem existed in ancient (biblical) times. Every 7 years was a jubilee, which was unconditional forgiveness of individual debts.

The exception was business debts weren't forgiven, which makes economic sense and isn't a moral issue.

*It's crucial that a jubilee (it similar) has no strings attached.
For example: *"come in for your free Corona virus vaccination and we'll write off your debt..."

The debt-slavers cannot be trusted.

Also, they conjured the money and debt out of thin air, so in a very real sense you should owe them nothing.
This is a fact.

The easiest way (IMO) to implement a jubilee would be student loan forgiveness. It's currently approaching the level of housing debt in scale.

Many people have quit paying them already, so it's only a matter of time before something significant happens.

The economy would see a massive boost in days, or weeks.

I doubt this will occur without some catastrophic development, because recent generations have been deliberately pushed into debt bondage.

Student loan debt is an obvious example of the massive odious debt of the many, compared to the relative security of the few (1%), and inconceivable wealth of the 0.01%.

The 1% are very comfortable, but they still work indirectly for the international 0.01% (oligarchs).