Think of it like different email providers. There are a few big ones, and some people host their own, but they can all (usually) communicate with each other.
And of course, doing so is what keeps you awake and keeps the number getting smaller.
Some more sleeping tips:
Stay off your phone.
If you have to do something but don’t want to because you’re going to interrupt your sleep progress, just do it and don’t worry about it as long as you take less than 15 minutes.
Stay out of bed when you’re not trying to sleep. Condition yourself to associate your bed solely with sleep.
Keep your alarm clock across the room so you have to get up to snooze it. Disable voice snoozing. Then you won’t have to worry about sleeping through it.
Well, not exactly. The debt is still there, they just can’t force you to pay it. Exceptions apply, like student loans, and they can probably still claim property in the case of bankruptcy or inheritance.