I'd love to find ways to make my career focused on fighting climate breakdown and haven't figured out how to do so without defaulting on debts/obligations
You're not alone in that. People are out here working to pay not only their own debts but their landlords debts as well.
Debt, combined with shortages of necessities (often unnecessary) is a fantastic way to ensure people work on what makes the most money and not what they'd like to be doing.