Some NGOs have called for debt 'relief' or even 'forgiveness', but these words send exactly the wrong message. By implying that debtors have committed some kind of sin, and by casting creditors as saviours, they reinforce the power imbalance that lies at the heart of the problem. The debt-as-in framing has been used to justify 'forgiving' debt while requiring harsh austerity measures that replicate the structural adjustment programmes that contributed to the debt crisis in the first place, effectively saying 'we will forgive your sins, but you will have to pay the price'. In other words, until now, debt forgiveness has largely just perpetuated the problem. If we want to be serious about dealing with debt, we need to challenge not only the debt itself but also the moral framing that supports it.