Sounds like fear and procrastination to me.

'Bad' would come from the perspective of those around you and you would have to observe their own behavior to guage whether this is true.

As for the things you mentioned, it seems you are aware of these problems and know what the answers are or what has to be done to resolve it. The debts are a problem. Endeavor to not take this further - and to make some sort of repayment plan. It is important to your friends that you are not simply shirking your responsibility and don't care.