I still say owing art means you are more ambitious then me. The only person I owe drawings/digital drawings to is myself. I owe a lot of art to myself. I've never attempted to take in commissions or do requests. I only ever did 1 auction which no one ever bid on, really didn't take it seriously.
If you don't feel comfortable selling your art, then you don't have to! Personally I feel a lot less stressed having 10 projects I want to do for myself rather than 10 projects I have to do for others