I think (key word, 'think') the amount of debt you get if/when killed depends on the difficulty of the mob (the easier the mob, the more debt you get).
For example, you go afk and a green mob paths by and proceeds to lay the beatdown on you, you get penalized worse for being killed by such a low difficulty mob. But if the same scenario occurs with lets sayyyyy...and orange mob, then it's more reasonable that you could/would get killed by it.
At least it's seemed to work this way for me in the past (or whenever I happen to pay attention to things when I die).
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