You have no clue how government finances the debt.
You seem to be the one confused here, Flash, not me.
"Finances the debt"? What are you talking about? Are you talking about making interest payments? We always make those no matter what. Defaulting on them would be the result of a choice, not the result of a circumstance.
The size of our debt has no impact on making interest payments; like, there is no magic number we hit with the debt that will suddenly trigger a default.
The only way that happens is through an active choice not to pay the interest, and it's almost all been Republicans who make those threats because they want to get rid of the programs they are ideologically opposed to, but lack the courage, will, and support to repeal through conventional legislation.