debt-payoff

SUSPICIOUS: The core debt-analysis purpose is coherent, and there is no installer, binary, or obvious credential-harvesting path. However, the skill exceeds a pure analysis role by probing ~/.claude/projects, silently appending telemetry outside the repo, operating autonomously without user questions, and encouraging execution of additional skills. Overall this is a medium-risk skill with the main concerns being transitive skill chaining and side-effecting local writes beyond the target project.