Immortal A: Hey hey, so you died too, huh?
Immortal B: Yeah, I was eaten by the Centipede Spirit. How did you die?
Immortal A: Ugh, I got stomped to death by some bastard who was running away!
Immortal D: Hahaha, you two really got it bad. I was blasted to death by the aftermath of Emperor Hao Tian's attack!
Truthfully, they were all laughing through their misery. Most of them had barely started working here, and now, having managed to get out of the Investiture of the Gods, they essentially ended up in debt.
In other words, they'd just started their jobs at the Heavenly Court, hadn't earned a dime, and were already drowning in debt—quite a bit, too.
As for refusing to pay it back?
Well, back into the Investiture of the Gods you go!
Better to live miserably than to die comfortably. Who'd willingly stay dazed and muddled in the Investiture of the Gods if they could avoid it?