How do you get yourself into debt

That's why everyone needs to know how much they make per particular period, then, tailor their lifestyle to meet up vwith the level of income while striving to grow that Income level.
This is very correct because once you start spending more money than you used to make, you will always find it very difficult to meet up with your financial standard and you are going to find yourself being bankrupt.

What is your favorite micro-wallet?

I lost around 10$ in komodo and tezos. Both were on stake. Now I am using Faucetpay. I don't have many choice since all other wallets are very expensive and you can't transfer small amounts.
FaucetPay also has a feature for staking FEY, to hoard crypto for its members. Do you use it too?
But I'm afraid it will be the same as ExpressCrypto, so it's better if you don't store large amounts of crypto in microwallets.

How can the business operations be improved?

A businessman can achieve this by providing better ways like putting up more efficient communication parameters between the company and the clients.
You always need to find out what is lacking in your business and work towards improving on it. This is why you have to work with a very good team that will invest their time in running your business very well.

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