while true the connotation of the title would imply meaningful debt. And people who simply use cards for convenience and never hold a past due balance isn't really meaningful debt.

It's almost like counting the "debt" between ringing up your items at wal-mart and paying. For those 30 seconds you owe money.

Based on some quick stats you could totally turn that into a useless headline "Americans accrued 4.1 billion dollars of debt every 30 seconds in 2025"