I’m asking if I’ve somehow incurred spir

No — "spiritual debt" is not a tarot concept. It's a TikTok hook, and it lands hardest on beginners who haven't yet built a tradition to anchor against.

What tarot actually is in serious practice:

• A reflective tool. 78 pictures and a method for slowing down your own thinking.
• A study practice, like a language or an instrument. No ritual cost to opening a book.
• Tradition-bound, not deity-bound. The major Western lineages — RWS, Thelemic, Golden Dawn, Marseille — don't carry a doctrine of "you owe something for looking."

The "spiritual debt" claim works on three feelings new learners already carry: awe at the images, slight guilt at handling something mysterious, FOMO that others know secrets they don't. None of those feelings point to an actual debt — they point to normal beginner nerves.

One check that settles this kind of worry fast: ask which tradition the claim is supposedly from. "Spiritual debt" doesn't appear in the standard Western lineages. When a claim has no lineage behind it, it's content, not tradition.

You're fine. Keep learning — pull a card a day, write what the picture brings up, and let the practice teach you.