I was hoping for an action option of: "Sell all your chairs"

Similar here, except went off ramen and got a business to reduce having to dip into mah stack. (Less stressed lifestyle = better business returns)

The key thing is having at least one timely reset when loaded up on debt.

Yep. Two were fairly early. Used the first one to cash out some sats for a business, the second one to squash the debt.

Easy game after that. The other resets just pumped the stack.
That mechanic might be a bit overpowered.