“…happiness lies always in the future, or else in the past, and the present may be compared to a small dark cloud driven by the wind over the sunny plain; in front of and behind the cloud everything is bright, only it itself always casts a shadow. Consequently, the present is always inadequate, but the future is uncertain, and the past irrecoverable. With its misfortunes, small, greater, and great, occurring hourly, daily, weekly, and yearly; with its deluded hopes and accidents bringing all calculations to naught, life bears so clearly the stamp of something that ought to disgust us that it is difficult to conceive how anyone could fail to recognize this, and be persuaded that life is here to be thankfully enjoyed, and that man exists in order to be happy. On the contrary, that continual deception and disillusionment, as well as the general nature of life, present themselves as intended and calculated to awaken the conviction that nothing whatever is worth our exertions, our efforts, and our struggles, that all good things are empty and fleeting, that the world on all sides is bankrupt, and that life is a business that does not cover the costs…”
– Arthur Schopenhauer in On the Vanity and Suffering of Life.
my purplehoneyjar 
I guess it depends on whose paying. Certainly, if it’s us, there’s always going to be a shortfall. So we need some kind of wealthy benefactor…
That is quite a novel way of looking at it Pravin! However, being the unwavering existentialist that I am, I must argue that the life debt is acquired at YOUR birth, and settled at YOUR death, a benefactor can not save you from settling, it would only complicate the bit in the middle.