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This quote from Orrin Woodward is playing on Patrick Henry’s famous quote “Give me liberty or give me death.” Woodward is making a commentary on modern society by replacing “death” with “debt.” He seems to be suggesting that today, lack of liberty or freedom often results not in death, but rather being placed into debt through various financial obligations and systems of credit/lending.
So in essence, the quote means Woodward believes modern citizens now face a choice between liberty and independence on one hand, or debt servitude on the other, rather than the more dramatic choice between liberty and death that Henry posed. It reflects Woodward’s view that debt may be a new form of constraint on individual freedom faced by many in contemporary times.