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This is going to sound bizarre, but I think the first six should be debt-free, and
not ten.
After creating a new blaster post-I5, I commonly see players take a nose-dive into a mob in the Hollows just to get back to AP or Skyway--a kind of uber-port across a large hazard zone to get back to the trainers to level-up, sell enhancements, etc.
The first time I saw this was on my team with my new archery blaster. Rather than run back the 1.3 miles to the AP gates in the Hollows, everyone jumped into the Trolls. I was level nine at the time...I just couldn't bring myself to do it. I felt like I was violating the dignity of my new hero. I ran back *gasp* the whole way.
Tell me if I'm wrong, Statesman, but I think this goes against your vision. I know it does mine.
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I still do this upon occassion at level 40+. Sometimes you just don't want to sit and hold a single key down for the next 3 minutes (at level 43 - make it 9 minutes without a travel power.) just to get back to where you can talk to a contact. If your playtime is limited, how can you finish a mission when you have to run from Circus Town in Crey's Folly all the way to Indigo in Founder's Falls and back again. At lower levels, I have done this trick and then gone to teleport my teammates so they didn't have to make the entire run. No, it wasn't martyrdom - it was purely selfish because when I am logged into the game, I want to be battling criminals, not running back and forth all the time.
The "Ambulance" is a nice shortcut if you are willing to get a bit of debt.
Ok, so I'm a blaster. I lived in debt for 45 levels (would have for 50 if there was debt in levels 1-5). An additional defeat is not a problem because I'll just go throw fire at something until I feel better.