If my english here is enough and as debt we are talking about something that you owe to somebody, then I'd say debt. I always seek to pay / do my debts. Sin, well, kind of depends. In christian way Im deadly sinner I guess, but I do a lot of good things too I guess.
I don't know for sure. I don't think about that too much. Currently my biggest burden is that all my friends are scattered around the world. All of them settle in different places. It's really hard sometimes and I try to visit them every now and then.
But then again, that is why they invented things like phones, computer chat programs, booze and gloomy music.