In the fiat system. All money is created as a loan plus interest.
That means that all money is an IOU (As in I Owe You). It is someone else’s debt.
Like Gold Bitcoin is debt free money. It does not require someone to be in debt to exist.
If someone works for it, it is not because it is the only money they can get but because they want it. Once they hold it, it is not anyone’s debt it is theirs.
And if someone is willing to exchange their goods for it, it is because they want it.