Unconscious people being taken by an ambulance to the hospital. The falsely accused needing legal representation and to pay a bail bondsman to get out of prison.

Do those examples work for you for people being physically punished for refusing to take on debt? Because I'm also happy to include sick people who need medical care and people who need money for food/heat/shelter/clothiers as being punished physically for refusing to take on debt by being deprived of those things

Punishment goes beyond physical means. You have the choice between poverty, or debt, which is definitely a form of coercion. Coercion is the use of a power differential to make someone act against their interests, physical force is not necessary.