Debt is debt, that’s it, you’re supposed to pay it back.
Not a reason to criminalize a debt the way the UAE does it.
Islam has nothing to do with this.
Other things you mentioned are NOT complex:
Slavery, exploitation, lack of rule of law, lack of human rights, lack of women rights etc
Let’s not give the UAE a pass here.
People go to the UAE to make money. They re not there from some “intellectually difficult to explain” reason. Pure $$$.