The problem is how fast we are adding "debt". The earth is naturally slightly CO2 negative without human intervention. However currently there are thousands of years to make up for every year of CO2 we are adding. I say thousands, but I haven't been able to figure out a true number, so thousands is conservative, it could be in the hundreds of thousands.
We are kind of relying on the oceans to soak up excess atmospheric co2 at the risk of acidifying the oceans too much. It’s one of those things where it’s such a huge problem and for which we have no solution.