It's simple: you will never be in debt. Reason: A fund means that everyone invests money in a fund company, and the fund company uses it to buy stocks to make money, make money, and the net value rises, so that everyone can make money together. If you lose money, your net worth will fall, and everyone will lose money together. However, if the money is lost, it will be over. The fund company will not be in debt, and neither will you. Because the fund fell to zero, it was liquidated and withdrawn from the stock market. We just lost all the money invested in the fund company, and we won't lose any more, let alone be in debt. It's as simple as that. Don't worry about debt.