In this world, everyone will have a "timepiece" on their wrist when they are born.
That's not a clock, it's a gray-white, scar-like mark that will slowly shorten with age. At the age of eight, the timepiece begins to shorten; at the age of eighty, the timepiece disappears and the person dies. Everyone's timepiece is of different lengths - some people live to be a hundred years old, and some people have only a gray line left on their timepieces at the age of twenty. No one knows why, and no one can change it.
There was no timepiece on Tokoyami's wrist.
He is the only "disabled person" in this world. No timepiece means no lifespan, and no lifespan means he should not live. But he was alive, alive the day he woke up from the garbage heap, not knowing who he was, not knowing where he came from, not knowing why he didn't have a timepiece.
All he knew was that he was in debt. It's not money, it's time.
Because he can see the numbers on other people's timepieces on their wrists and "borrow" them. What he owes is what he can't pay back after borrowing it.