I'm as guilty as anyone of amassing ideas and half-baked projects in various files and/or boxes of junk around the house, but I don't think of them as debt. They're all opportunities. Some are good, some are bad, and some have been missed, but they're not debt. I happen to think that some of them have the potential to make me a lot of money should I choose to implement them, but there are no guarantees. There is nobody out there saying, "Here's a check for $20M if you implement that idea right there, and you get to keep half."
'Follow your dreams'...'Do what you love and the money will follow'...'Nothing ventured, nothing gained' these are phrases that all sound great from the other side of success, but when you have a normal life with a family and a mortgage, the decision to pursue your opportunities is not as cut and dried. Having to weigh the consequences of not earning a paycheck to pursue one of these opportunities against food on the table or missing a mortgage payment, or even just not spending those evening free-time hours with your kids changes the equation substantially.