What does it mean to owe money in Zhouyi's fortune telling? Is it better to pay more or less?

I once saw someone say that we were born with money, which means that we mortals had no money in our last life, and when we were reincarnated in the Luo Yan Temple in the underworld, we couldn't take it away because the deceased had gold and silver wealth. Now, when you are born again, you have to hand over the money you received. At that time, you were penniless and had to borrow money from Cao Guan in the underworld to be reborn. After swearing to pass it on from generation to generation, I returned the money to the government. But I was born and forgot. Taoist priests can only realize that they are still collecting money when they are enlightened by the Taoist scriptures.

The less money you receive, the better, but you can repay it by accumulating more virtues. Burn more incense and do something good.