One possibility would be that the characters who have no debt successfully paid off their debt in the past and have been living there since because they are unable to go home.

Then the kinder-natured characters who have been through the entertainer experience might be inclined to buy time with characters to help them out. Characters who are jerks can buy time with characters to troll them. "Oh, that's the love of your life? Okay, I've decided who I'm buying time with tonight~"