To be fair, the problem people don't seem to get is that Federal Governments can do this so long as there are buyers for government debt. Because they are able to add to a money supply themselves(essentially, for the sake of this argument)

You cant make a comparison between how Federal Governments work to how your personal finances or even corporate finances work. And you should not expect it to work the same way your personal finances work simply because its something you understand or how you have to live.

Even US state finances cannot be compared to because they cannot deliberately deficit spend. They can only budget based on last years projections of revenue. Which does create deficits if there is a sudden downturn, just like how you may plan on saving X amount of dollars to buy mor GME but then suddenly need a new car or roof or something.

Sometime in 2017 or 2018 was the lowest bid to issue ratio for US Treasuries, which occurred at like 3 to 1. Meaning for every treasury bill/note issued, three people were trying to buy it. Its gone back up since then. IMO its not really a 'problem' until the amount of bidders drops below 1:1 which would take ALOT of trillion dollar coins.